For investors looking to purchase or refinance utilizing only the cash flow from the subject property for qualifying – this includes the daily rental income from a condotel, VRBO, Airbnb, etc.

No tax returns needed! Qualify for a Primary, Second home, or Investment property with 3 to 12 months’ bank statements. For self-employed investors, DSCR income can be used to qualify in addition to bank statements.

No employment or income needed. Asset based lending just got a whole lot easier. Available for purchasing or refinancing a Primary Residence, Second Home or Investment property.

Perfect for the self-employed borrower on a 1099 who cannot qualify for a full doc (traditional) mortgage loan. The most recent 1099 statements from 1 or 2 years ago will be used to qualify.

If you are ineligible for a Social Security Number: ITINs are issued to both resident and nonresident aliens for tax-reporting purposes. This program requires a minimum 20% down payment.

For non-owner occupancy only; eligible for all property classifications including condotels. A letter of good standing with current financial institution or international credit report is needed. No income or job required for qualifying. Available loan terms are: 5-year ARM, 7-year ARM, 15-year Fixed Rate, or 30-year Fixed Rate.

 Equity-based purchase, refinance and construction loans.