Are you self-employed? Having trouble qualifying with your tax returns due to numerous write-offs? Are you a real estate investor?

We have loan options for you!

12-Month Bank Statement Loan:

A great product for self-employed borrowers who cannot qualify with their tax returns! Total deposits for the year are added up, then divided by 50% to determine the borrower’s income. However, if you obtain a CPA letter stating an "expense factor" as low as 10%, we can count 90% of that income. The CPA letter is not needed if the borrower qualifies with the standard 50% expense factor.

Down payment requirement:

• As low as 10%

• 1099 (Contractors) / Profit and Loss (Self-Employed) Loans for Contractors / Self-Employed Borrowers:

• 20% down payment required and a 700 mid-credit score

• Must be 50% or more owners of the company

• Available for primary and second homes

• An expense factor of a minimum of 10% is used to calculate income, depending on the type of work the borrower does.

DSCR (Debt Service Coverage Ratio) Product:

• 20% down payment plus closing costs—depending on several factors, you would need approximately 25% down.

• No income requirements—just asset documentation. Super easy! You’re qualifying based on your assets alone.

• Available for investment property purchases only.

• What does "debt coverage ratio" mean?

• For example, if the mortgage is $1,000 and the rental comps or current lease are $1,500, the ratio would be 1.5. However, ratios below 1% are allowed.