ALTERNATIVE LOANS

Financing Beyond the Standard Box

Not every borrower fits inside the agency playbook—yet your financing should still be competitive, transparent, and fast. Our Alternative (Non-QM) suite pulls from a deep roster of specialty wholesale lenders to cover the needs standard guidelines miss:

• Bank-Statement & 1099 Loans use 12–24 months of deposits—or a single 1099 roll-up—in place of tax returns, ideal for entrepreneurs whose write-offs hide true cash flow.
• DSCR Investor Loans ignore personal income altogether, qualifying 1–4 unit properties on rental cash flow (≥ 1.00 DSCR), available in an LLC or personal name with unlimited property count.
• Asset-Depletion & Asset-Qualifier Programs turn brokerage and retirement balances into usable income, perfect for high-net-worth clients eyeing jumbo purchases up to $5 million.
• Recent-Event Flex Options shorten seasoning after BK, foreclosure, or credit hiccups to as little as 12 months—no waiting seven years to restart.
• Foreign National & ITIN Loans provide U.S. financing without domestic credit, including interest-only payments for maximum flexibility.
• Property Freedom: non-warrantable condos, condotels, mixed-use, and unique builds welcomed—at LTVs up to 90 percent with no mortgage insurance.

Terms run 30- or 40 years, fixed or adjustable, with optional interest-only periods to keep cash flow agile. Underwriting focuses on today’s real income, assets, and property performance—so the loan is shaped around your strategy, not a rigid guideline.

If your story sits outside the conventional lines, these programs keep the door to funding wide open.