Loan Programs

Alternative Income Qualification: Financing for Modern Professionals

Traditional mortgage qualification doesn't work for everyone. If you're self-employed, own a business, or earn income through non-traditional means, our alternative income qualification programs provide the flexibility you need.

Bank Statement Loans

Perfect for business owners and self-employed professionals, bank statement loans use your actual cash flow to qualify—not tax returns that may show reduced income due to legitimate business deductions.

How It Works:

• Qualify using 12–24 months of personal or business bank statements
• Income calculated from deposits, not tax returns
• Ideal for business owners who write off expenses

P&L and 1099 Only Loans

For professionals with CPA-prepared financial statements, our P&L and 1099 programs offer streamlined qualification without the need for full tax return submission.

DSCR Investment Loans

Real estate investors can qualify based solely on the property's rental income potential—no personal income verification required. The Debt Service Coverage Ratio (DSCR) method evaluates whether the property's rental income can cover the mortgage payment.

Perfect For:

• Real estate investors
• Portfolio builders
• High-income professionals with complex tax situations

WVOE (Written Verification of Employment)

Employed professionals can sometimes qualify with just a verification letter from their employer, offering a faster path to approval.

Program Highlights:

• Minimum Down Payment: 10%
• Property Types: All residential types

Who Benefits Most?

• Self-employed professionals
• Business owners with significant write-offs
• Real estate investors
• 1099 contractors and freelancers
• High-income earners with complex tax returns

Don't let traditional qualification standards hold you back. Contact us to discover how alternative income qualification can unlock your home financing potential.