SpecializedAlternative Income
Bank Statement Mortgage
Self-employed borrowers qualifying from bank statements
23 financing structures
Non-QM & Residential Investor
Explore non-qm & residential investor structures across 8 subcategories, from common products to specialized and lesser-known financing.
Worth KnowingAlternative Income
1099-Only Mortgage
Independent contractors using 1099 income
Worth KnowingAlternative Income
Profit-and-Loss (P&L)-Only Mortgage
Self-employed qualification without standard tax-return analysis
SpecializedAsset-Based Qualification
Asset Depletion Mortgage
Asset-rich borrowers with limited conventional income
Worth KnowingAsset-Based Qualification
Asset Qualifier Mortgage
Qualify primarily from assets rather than income
Worth KnowingAlternative Documentation
One-Year Tax Return Mortgage
Self-employed borrower using shorter tax history
SpecializedIdentity/Residency
ITIN Mortgage
Borrowers without SSN who have eligible ITIN profile
SpecializedIdentity/Residency
Foreign National Mortgage
Non-U.S. resident purchasing U.S. property
SpecializedInvestor
Single-Property DSCR Rental Loan
Finance 1-4 unit rental using property cash flow
SpecializedInvestor
Short-Term Rental (STR) DSCR Loan
Finance Airbnb/VRBO-style rental property
Worth KnowingInvestor
5-8 Unit / Small Multifamily DSCR Loan
Finance small multifamily beyond 1-4 units
SpecializedInvestor
Rental Portfolio / Blanket Loan
Finance multiple properties under one facility
CommonInvestor
Fix-and-Flip Loan
Acquire/rehab/resell residential investment
Worth KnowingInvestor
No-Ratio / No-Income Investor Bridge Loan
Short-term investor financing without personal DTI focus
SpecializedInvestor
Residential Investor Bridge Loan
Acquire/season/transition rental property
SpecializedInvestor
Ground-Up Residential Investor Construction Loan
Build residential investment property
Worth KnowingInvestor
Build-to-Rent Construction Loan
Construct homes intended for rental portfolio
SpecializedInvestor
Residential Rehab / Renovation Investor Loan
Renovate rental or resale property
Worth KnowingInvestor
Real-Estate Investor Revolving Line of Credit
Reusable acquisition/rehab capital
CommonPrivate Credit
Hard-Money Residential Real-Estate Loan
Fast/private financing when conventional underwriting does not fit
SpecializedPrivate Credit
Private-Money Residential Mortgage
Private lender mortgage outside institutional channels
Worth KnowingSecond Lien
Non-QM Second Mortgage
Second lien for borrowers outside agency standards
SpecializedPortfolio
Bank Portfolio Mortgage
Loan held on lender balance sheet outside agency execution