Foreign National Loan
Designed for non-U.S. citizens who want to buy or invest in U.S. real estate. These loans allow foreign nationals to purchase property without needing U.S. credit history.
P&L Only Loan (Profit & Loss Statement)
If you’re self-employed, you may be able to qualify with just a CPA-prepared profit & loss statement instead of full tax returns or bank statements. This option simplifies the process and works well for business owners.
1099 Only Loan
For independent contractors who receive 1099 forms instead of W-2s, this program allows you to qualify using just your 1099 income.
Asset Utilization Loan
If you have significant assets but limited income, this loan allows you to use your assets as qualifying income. Perfect for retirees or high-net-worth individuals who want to leverage their savings, investments, or other assets.
Services We Provide
12-Month Bank Statement Loan
Perfect for self-employed individuals who don’t have traditional W-2 income. Instead of tax returns, we use 12 months of personal or business bank statements to verify income.
24-Month Bank Statement Loan
If you prefer to show a longer track record, our 24-month bank statement loan offers an even more stable picture of your income. Ideal for borrowers with fluctuating deposits who want to maximize their approval chances.
DSCR Only Loan (Debt Service Coverage Ratio)
For real estate investors, a DSCR loan focuses on the property’s cash flow rather than your personal income. If the rental income covers the expenses, you may qualify—no traditional income documents required.
ITIN Loan (Individual Taxpayer Identification Number)
For borrowers without a Social Security Number, ITIN loans make homeownership possible. These programs are designed for individuals who pay taxes with an ITIN but don’t have traditional U.S. documentation.