Five Loan Programs for Borrowers Who Don't Fit the Mold

Qualify based on the rental income a property generates — not your personal tax returns. Ideal for investors building or scaling a portfolio without conventional income documentation constraints.

• No personal income verification required
• Loan amounts up to $5 million
• Short-term rental (Airbnb/VRBO) income accepted
• Portfolio loans with no property count limit
• DSCR ratios from 0.75 accepted

Use 12 or 24 months of personal or business bank statements to document income — bypassing the tax return problem that disqualifies thousands of profitable self-employed Californians every year.

• 12 or 24 months of bank statements
• Personal or business deposits accepted
• No tax returns or W-2s required
• Expense ratios from 10% to 50%
• Self-employed for as little as 12 months

Convert liquid assets — brokerage accounts, savings, retirement funds — into a calculated monthly income for mortgage qualification. Designed for retirees, executives, and wealth-concentrated borrowers.

• Brokerage, savings, and retirement accounts eligible
• No employment or income required
• Age 62+ enhanced LTV available
• Loan amounts up to $5 million
• Divisors from 60 to 120 months

Finance California real estate without a U.S. Social Security number, green card, or domestic credit history. Qualification via DSCR, assets, or full documentation — designed for international buyers and investors.

• No U.S. credit history required
• ITIN and foreign passport accepted
• DSCR or asset-based qualification
• Primary, vacation, and investment properties
• Loan amounts up to $3 million

Qualify using a CPA-prepared 12-month profit and loss statement, or 1099 income from the past one to two years. No full tax return required — ideal for gig workers, consultants, and independent contractors.

• 12-month CPA P&L statement accepted
• 1099 income from 1–2 years
• No full tax return required
• Multiple income sources combined
• Available for purchase and refinance