NON-QM LOANS

• 1-Year-Self-Employed: Designed for self-employed borrowers with a strong recent financial history, allowing qualification using one year of tax returns instead of the standard two.
• 1099 Only: Tailored for independent contractors and gig economy workers, using 1 or 2 years of 1099 forms to verify income.
• Bank Statement: Ideal for business owners and freelancers, qualifying borrowers based on 12 to 24 months of personal or business bank statement deposits rather than tax filings.
• P&L Only: Allows self-employed individuals to qualify using a CPA-prepared Profit & Loss statement to document net income, streamlining the paperwork process.
• Written VOE Only: Streamlines financing for W-2 wage earners by verifying employment and income directly through a Written Verification of Employment (WVOE) completed by their employer.

• 60-Month Asset Utilization: Calculates qualifying monthly income by dividing total liquid assets over a 60-month period, helping asset-rich borrowers qualify without traditional employment income.
• No DTI – Asset Utilization: Eliminates debt-to-income ratio requirements by using verified liquid assets to cover the loan amount, offering flexible underwriting for high-net worth buyers.

• DSCR – Regular: Evaluates real estate investors based on the rental property’s cash flow rather than personal income, qualifying the loan if rental income covers monthly debt service.
• DSCR – Short-Term Rental: Specifically engineered for vacation rentals and Airbnb/VRBO properties, using projected or historical short-term rental revenue to satisfy coverage ratios.
• DSCR – Foreign National: Enables non-U.S. citizens to invest in U.S. residential real estate using property cash flow (DSCR) without requires a U.S. credit score, Social Security number, or tax history.

Our ITIN loan programs provide accessible, flexible mortgage financing tailored for hard-working individuals and families who pay federal taxes using an Individual Taxpayer Identification Number.

• No Social Security Number Required: Qualify using your valid, IRS-issued ITIN card or assignment letter.
• Alternative Income Documentation: Flexible underwriting options that accept 12 to 24 months of bank statements, W-2s, or tax returns filed under your ITIN.
• Credit Building Options: Credit history can be established using non-traditional lines of credit, such as rental payment history, utility bills, and regular auto insurance payments.

Navigating foreign exchange rates, foreign credit profiles, and international documentation shouldn’t stand between you and your investment goals.

Our foreign national financing programs offer streamlined lending solutions for non-U.S. citizens seeking to build a real estate portfolio or purchase a holiday home in the States.

• No U.S. Credit History Needed: Qualification is based on international asset verification, liquid reserves, or property cash flow rather than a domestic credit score.
• Flexible Identification: Simple documentation requirements using your valid foreign passport and government-issued identification from your home country.
• Eligible Property Types: Tailored for non-owner occupied properties, including residential investment homes, multi-family units, short-term rentals, and seasonal vacation homes.