If you’re self-employed, a real estate investor, or simply don’t fit into traditional lending boxes, a California Alt-Doc private money loan may be the perfect solution. At Pacific Home Loans, we work with a network of private investors to fund alternative documentation loans based on the strength of your property or assets—not your tax returns.

This loan option is ideal for borrowers who need fast closings, minimal paperwork, or flexible underwriting.

Who Benefits from Alt-Doc Private Money Loans?

These loans are designed for borrowers who fall outside conventional lending guidelines, including:

• Self-employed borrowers with irregular income

• Business owners with significant tax deductions

• Real estate investors expanding portfolios

• Buyers of unique, non-warrantable, or mixed-use properties

• Foreign nationals or borrowers without U.S. tax returns

• Individuals with recent credit events or limited credit history

Loan Features

• No W-2s or tax returns required

• Use bank statements, P&L statements, or asset verification

• Loan amounts up to $5,000,000

• Interest-only and short-term options available

• Residential, commercial, and investment properties eligible

• Fast closings—often in 7 to 14 days

• Available throughout California

Why Work with Pacific Home Loans?

As both a mortgage banker and broker, we bring together institutional and private lending solutions with a local understanding of California’s fast-paced real estate market. We streamline the process and connect you to the best private capital available.

Let’s Get You Funded

If traditional loans aren’t working for your timeline or income type, a California Alt-Doc private money loan might be exactly what you need. Contact Pacific Home Loans today to learn more and get personalized guidance.