Great for business owners who don’t show consistent income on returns. Qualifies using 12–24 months of bank statements instead of W-2s/tax docs.

Built for contractors and freelancers. Uses 1099 forms to qualify income with flexible underwriting.

Uses year-to-date and prior year P&L statements—typically prepared by a licensed tax preparer— to establish income when returns understate earnings.

Short-term financing to build a new home. Funds are released in stages as construction progresses, and often convert to a standard mortgage (construction-to-permanent).

Combines purchase/refi with renovation funds. Options may include FHA 203(k), Fannie Mae, and Freddie Mac—perfect for upgrades and repairs.

Designed for non-U.S. citizens purchasing U.S. property. No U.S. credit history or residency required. With 30% down, foreign investors love this program to build equity in the U.S.

Mortgage options for individuals without a Social Security number, using an ITIN. Supports undocumented or non-resident individuals with verifiable income.

Approved based on rental income rather than personal income. A DSCR above 1.0 typically qualifies—our borrowers can qualify with as low as 0.5.

High-net-worth borrowers qualify based on liquid assets. A formula converts assets into a monthly income equivalent to meet requirements.