Investor Solutions
Investor & Alternative Programs
DSCR investor loans, HELOC equity lines, and non-traditional programs for complex income situations.
DSCR Loans
Qualify on rental income — no personal income verification required.
DSCR (Debt Service Coverage Ratio) loans let real estate investors qualify based on the property's rental income rather than personal tax returns. Ideal for self-employed borrowers and portfolio investors who want to grow without the paperwork of traditional underwriting.
- Qualify using rental income, not personal income
- No tax returns or W-2s required
- Single-family, multi-family, and short-term rentals
- Portfolio loan options for multiple properties
HELOC
Tap your home equity with a flexible line of credit.
A Home Equity Line of Credit (HELOC) lets you borrow against the equity you've built — on your schedule. Use it for home improvements, debt consolidation, education, or any major expense. Draw what you need, when you need it, and only pay interest on what you use.
- Revolving credit line secured by your home
- Draw funds as needed during the draw period
- Interest-only payments during draw period
- Competitive variable rates tied to prime
Non-Traditional Loans
Bank statement, asset-based, and alternative income programs.
Self-employed borrowers, freelancers, and high-net-worth individuals often don't fit the traditional W-2 mold. I work with lenders who offer bank statement loans, asset depletion programs, and other alternative documentation options so your income story doesn't hold you back.
- Bank statement loans (12 or 24 months)
- Asset depletion / asset-based qualification
- 1099 and profit & loss statement programs
- Jumbo and super-jumbo options available
Looking for a dedicated DSCR investor loan page?
Explore DSCR loan details, the calculation explained, CT & FL state info, FAQ, and more.
Are you a medical professional?
Explore specialized Doctor Mortgage Loan programs designed for eligible physicians, dentists, and healthcare providers.
Looking for purchase or refinance programs?
Conventional, first-time buyer, and refinance options are on the other page.
Free Consultation
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