For self-employed borrowers, complex income, or recent credit events — bank statement, 1099, P&L, asset depletion, ITIN, and foreign national options.

View hub

Alt-Doc — Self-Employed

12-Month Bank Statement

Qualify on 12 months of personal or business bank deposits instead of tax returns.

Program details →

Alt-Doc — Self-Employed

24-Month Bank Statement

Two years of bank statements — often with better pricing and higher LTV than 12-month programs.

Program details →

Alt-Doc — Second Lien

Bank Statement HELOC

HELOC or fixed 2nd qualified using bank statements — no tax returns.

Program details →

Alt-Doc — Self-Employed

1099-Only Income

Qualify on 1–2 years of 1099s — no tax returns required. Ideal for independent contractors.

Program details →

Alt-Doc — Self-Employed

P&L Only

Qualify on a CPA-prepared profit & loss statement. No bank statements or tax returns for income.

Program details →

Alt-Doc — W-2

WVOE Only (W-2 Employee)

Qualify on a Written Verification of Employment alone — no paystubs or tax returns.

Program details →

Alt-Doc — Asset-Based

Asset Qualifier / Asset Depletion

Qualify using liquid assets depleted over a loan term — no income documentation required.

Program details →

Alt-Doc — Equity Comp

RSU / Restricted-Stock Income

Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.

Program details →

Alt-Doc — Credit Recovery

Recent Credit Event (BK / FC / SS)

Loans for borrowers with a recent bankruptcy, foreclosure, or short sale — as little as 1 day out of seasoning.

Program details →

Alt-Doc — Non-Resident

ITIN Mortgage

Home financing for borrowers with an Individual Tax Identification Number (ITIN) instead of SSN.

Program details →

Alt-Doc — Non-Resident

Foreign National

Non-US-resident buyers — no US credit required, documentation from home country accepted.

Program details →

Alt-Doc — Property Type

Non-Warrantable Condo

Financing for condos that don't meet Fannie/Freddie warrantability (high investor concentration, HOA litigation, commercial share).

Program details →

Alt-Doc — Property Type

Condotel

Financing for condominium units in hotel-operated buildings (short-term rental pools).

Program details →

Investor & Bridge

DSCR rental loans, fix & flip, ground-up construction, and bridge financing for real estate investors and BRRRR strategy.

View hub

DSCR

DSCR Rental Loan

Qualify a rental property on the property's own cash flow — no personal income documentation.

Program details →

DSCR

DSCR Cash-Out Refinance

Pull cash out of a seasoned rental — no personal income documentation.

Program details →

DSCR

DSCR 2nd Lien / HELOC

HELOC or fixed second lien on an investment property, qualified on DSCR.

Program details →

DSCR

No-Ratio DSCR

DSCR loan with no minimum ratio requirement — higher rate, but closes even when rent doesn't cover PITIA.

Program details →

DSCR

Short-Term Rental DSCR (Airbnb)

DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).

Program details →

Investor Portfolio

Portfolio Loan (5+ Properties)

Blanket or cross-collateralized loan across 5+ rental properties.

Program details →

Bridge / Hard Money

Fix & Flip

Short-term financing for acquisition + rehab of a resale flip. 6–18 month term.

Program details →

Bridge / Hard Money

Fix & Hold (BRRRR)

Acquisition + rehab financing structured for BRRRR strategy — bridge to DSCR takeout.

Program details →

Construction

Ground-Up Construction (Residential)

Construction financing for spec builders or owner-occupant new builds.

Program details →

Bridge

Residential Bridge

Short-term loan to buy the next home before selling the current one, or to close quickly on an opportunity.

Program details →

Bridge

Commercial Bridge

Short-term financing on commercial assets — value-add, lease-up, or transition to permanent.

Program details →

Bridge — Wholesale

Transactional Funding (Same-Day)

Same-day double-close funding for wholesalers and A→B→C transactions.

Program details →

Commercial

SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.

View hub

SBA

SBA 7(a) Owner-User

Up to $5M SBA-guaranteed loan for owner-user real estate acquisition and business needs.

Program details →

SBA

SBA 504 Owner-User

Fixed-rate SBA loan for owner-user commercial real estate acquisition or construction. 50/40/10 structure.

Program details →

Commercial

Conventional Commercial Real Estate

Bank-balance-sheet commercial mortgages — retail, office, industrial, mixed-use.

Program details →

Agency Multifamily

Fannie Mae DUS (Multifamily)

Fannie Mae Delegated Underwriting and Servicing loans for 5+ unit multifamily.

Program details →

Agency Multifamily

Freddie Mac SBL (Small Balance Multifamily)

Freddie Mac Small Balance Loan — $1M–$7.5M on 5+ unit multifamily.

Program details →

Agency Multifamily

HUD 223(f) (Multifamily Refi/Acquisition)

FHA-insured 35-year fully-amortizing loan for existing multifamily.

Program details →

Agency Multifamily

HUD 221(d)(4) (Multifamily Construction)

FHA-insured construction-to-permanent multifamily financing. 40-year fully-amortizing.

Program details →

Commercial

CMBS

Commercial Mortgage-Backed Securities — non-recourse, 10-year, fixed-rate commercial loans.

Program details →

Commercial

Life Insurance Company Loan

Long-term, fixed-rate commercial mortgages from life insurance company balance sheets.

Program details →

Construction

Ground-Up Commercial Construction

Construction financing for retail, industrial, office, or mixed-use development.

Program details →

NNN / Net Lease

NNN Credit-Tenant Financing

Long-term non-recourse financing on single-tenant NNN properties with credit tenants.

Program details →