Investment Property Loans

Investment property loans are designed for buyers purchasing non-owner-occupied properties, such as rentals or income-producing homes. These loans typically require higher down payments and stronger reserves than primary residence loans.

Lenders review rental income, existing property obligations, credit, and overall cash flow to determine eligibility. Loan options may vary based on the number of properties owned and the type of investment.

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Alternative Income Loans

Alternative income loans are designed for borrowers whose income does not fit traditional lending guidelines. These loans are commonly used by self-employed individuals, business owners, investors, or borrowers with complex income.

Instead of relying solely on tax returns, lenders may use bank statements, asset-based qualification, or other documentation to verify the ability to repay. These programs offer flexibility when standard loan options are not a fit.

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Non-QM Loan Options-First and Second Liens

• Bank Statement Loans - Perfect for self-employed borrowers using 12-24 months of deposits to verify income.

• 1099 Only Loans - Ideal for independent contractors with no tax returns required.

• Asset Depletion Loans – Use liquid assets to qualify without traditional income docs.

• DSCR (Debt-Service Coverage Ratio) Loans – Real estate investors qualify based on rental income, not personal income. Including No Ration.

• P&L Statement Loans – Borrowers can provide a CPA-prepared or self-prepared Profit & Loss statement instead of tax returns.

 

Higher LTVs & Flexible Credit Guidelines – More opportunities for homeowners and investors.