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Find Your AMS Account Executive Browse loan programs insteadInvestor Program
DSCR — Investor Cash Flow Loan
Finance investment properties based on rental income — not your personal tax returns. If the property cash flows, it qualifies.
Real estate investors shouldn't have to prove personal income to grow their portfolio. The DSCR program qualifies based entirely on a property's income-generating performance — streamlining the path to financing for rental properties at any scale.
PROGRAM HIGHLIGHTS
Loan amounts $200K – $5,000,000
Min. FICO 680 | Up to 80% LTV
No personal income verification
Min. DSCR 1.00 (exceptions to 0.80)
Short-term rentals (Airbnb/VRBO) OK
Interest-only option available
Fixed & adjustable rate options
Purchase, rate/term & cash-out refi
Ideal For
Real Estate Investors
Portfolio Landlords
Self-Employed Borrowers
STR Operators
Eligible Property Types
SFR / PUD
2–4 Unit
Warrantable Condo
Non-Warrantable Condo
Condotel
Ready to close your next investment deal?Contact me to run the numbers on your scenario.
Your NameNMLS #______(555) 555-5555email@example.com
Self-Employed Program
Bank Statement Home Loan
Qualify using 12 or 24 months of bank statements — no tax returns, no W2s. Your deposits tell the real income story.
Self-employed borrowers often write off significant expenses — making tax returns look less impressive than actual cash flow. The Bank Statement program uses real deposit history to qualify clients for the home they deserve.
PROGRAM HIGHLIGHTS
12 or 24 months of statements
Personal or business accounts eligible
No tax returns required
Loan amounts $150K – $5,000,000
Income calculated by underwriting
Rental income can supplement qualification
Purchase, refinance & cash-out options
Primary, 2nd home & investment
Ideal For
Self-Employed Borrowers
Business Owners
Freelancers
High Write-Off Filers
Stop letting write-offs hold your clients back.Let's find the right program together.
Your NameNMLS #______(555) 555-5555email@example.com
Self-Employed Program
Profit & Loss Home Loan
A CPA-prepared P&L replaces tax returns — one of the most documentation-efficient paths for self-employed borrowers.
A 12- or 24-month Profit & Loss statement prepared by a licensed CPA or tax professional can replace traditional income documentation entirely. Where bank statements require months of deposit history, a P&L tells the income story concisely.
PROGRAM HIGHLIGHTS
No tax returns required
Up to 90% LTV | Min. FICO 680
DTI up to 50%
Loan amounts $150K – $5,000,000
Short-term rentals permitted
Interest-only option available
Fixed & adjustable rate options
Primary, 2nd home & investment
Ideal For
Business Owners
Entrepreneurs
Freelancers
Self-Employed Professionals
Your business success should open doors — not close them.Let's qualify with your P&L.
Your NameNMLS #______(555) 555-5555email@example.com
High Net Worth Program
Asset Utilization Home Loan
Qualify based on the value of your portfolio — no income documentation, no DTI calculation required.
High-net-worth borrowers often hold substantial wealth in liquid and investment accounts while reporting modest income on paper. The Asset Utilization program converts portfolio value into qualifying income — no employer verification needed.
PROGRAM HIGHLIGHTS
No DTI calculation — asset-driven
Up to 90% LTV | Min. FICO 680
Loan amounts $150K – $5,000,000
All occupancy types eligible
Investment properties & STRs included
Interest-only to preserve liquidity
Fixed & adjustable rate options
Purchase, rate/term & cash-out refi
Ideal For
High-Net-Worth Individuals
Retirees / Pre-Retirees
Business Owners
Complex Financial Profiles
Wealth should work for you — even at the closing table.Let's explore what your assets can qualify for.
Your NameNMLS #______(555) 555-5555email@example.com
Wealth-Based Program
Asset Depletion Home Loan
Qualify for a mortgage using liquid assets — not a paycheck. Ideal for retirees and high-net-worth borrowers.
Retirement shouldn't mean you can't qualify for a mortgage. The Asset Depletion program converts liquid net worth into a monthly income equivalent — allowing qualification without employment income, W2s, or tax returns.
PROGRAM HIGHLIGHTS
Qualify using liquid assets only
Monthly income = Net Assets ÷ 84
Min. 1.5× loan balance in qualified assets
$500K min. post-closing reserves
Loan amounts $150K – $5,000,000
Primary residence & 2nd homes
No W2s or tax returns required
Purchase & rate/term refi available
Ideal For
Retirees
Pre-Retirees
High-Net-Worth Individuals
Investors with Liquid Assets
You've spent a lifetime building wealth — now let it open doors.Ask about qualifying with your assets today.
Your NameNMLS #______(555) 555-5555email@example.com
Contractor / Gig Worker Program
1099 Reduced Doc Home Loan
Independent contractors qualify using their 1099 income — no full tax returns or complex documentation needed.
Millions of Americans earn income as independent contractors without ever receiving a W2. The 1099 Reduced Doc program uses earnings forms with a simplified 10% fixed expense ratio — making qualification straightforward and efficient.
PROGRAM HIGHLIGHTS
Qualify using 1099 income forms
Fixed 10% expense ratio applied
No full tax returns required
1099 must be in borrower's name
YTD income must align with 1099 history
Loan amounts $150K – $5,000,000
Rental income can supplement
Purchase, refinance & cash-out options
Ideal For
Independent Contractors
Gig Economy Workers
Commission-Based Earners
Consultants & Freelancers
Your 1099s prove your income — let's use them to buy a home.Simple documentation, real results.
Your NameNMLS #______(555) 555-5555email@example.com
Minimal Documentation Program
WVOE — Employer Verification Loan
Salaried employees qualify with just a written employer verification — no pay stubs, W2s, or tax returns required.
The Written Verification of Employment (WVOE) program is one of the most streamlined Non-QM paths available. For qualifying wage earners, a simple employer letter confirming base salary is all that's needed to move forward.
PROGRAM HIGHLIGHTS
No pay stubs, W2s, or tax returns
Employer letter verifies base salary only
Wage earners only (base salary)
Primary residence only
Loan amounts $150K – $5,000,000
Non-QM flexibility beyond agency limits
Fast, streamlined underwriting path
Purchase & rate/term refi available
Ideal For
Salaried Employees
Minimal Documentation Borrowers
Straightforward Employment
⚠️ Self-employed, commission-only, and family/related employment are not eligible for this program. See Bank Statement or P&L programs for those profiles.
Simple employment — simpler mortgage process.Ask how little documentation you really need.
Your NameNMLS #______(555) 555-5555email@example.com
Traditional Income Program
Full Documentation Home Loan
Standard income documentation with Non-QM flexibility — for borrowers who don't fit inside conventional lending boxes.
Not every borrower with strong documentable income fits inside conventional lending guidelines. The Full Documentation program uses traditional income verification while offering Non-QM flexibility on property types, loan amounts, and borrower profiles that agencies routinely decline.
PROGRAM HIGHLIGHTS
W2s and tax returns for income
Loan amounts $150K – $5,000,000
Non-QM flexibility beyond agency rules
Primary, 2nd home & investment
Non-warrantable condos & condotels OK
Purchase, rate/term & cash-out refi
Ideal for agency-declined borrowers
Stable, fully documentable income
Ideal For
W2 Wage Earners
Borrowers with Stable Income
Complex Property Scenarios
Jumbo Loan Needs
Conventional turned you down? Non-QM Full Doc might say yes.Let's find the path that works for your client.
Your NameNMLS #______(555) 555-5555email@example.com
Supplemental Income Program
Rental Income Qualification
Own rental properties? Their income can supplement qualification across multiple Non-QM programs.
Rental income is a powerful but often underutilized asset in mortgage qualification. Across several Non-QM programs, 75% of gross rents from existing properties can supplement income — helping more borrowers clear the qualifying threshold.
PROGRAM HIGHLIGHTS
75% of gross rents counted as income
No vacancy factor applied to rents
Works alongside Bank Statement loans
Complements P&L Only qualification
Pairs with 1099 Reduced Doc income
Supports Asset Depletion scenarios
Supports Asset Utilization scenarios
Lease or appraisal market rent accepted
Compatible Programs
Bank Statement
P&L Only
1099 Reduced Doc
Asset Depletion
Asset Utilization
Your rentals are already working — make them work at closing too.Ask how rental income can strengthen your file.
Your NameNMLS #______(555) 555-5555email@example.com
Full Program Suite
Non-QM Lending — A Solution for Every Borrower
When conventional financing says no, Non-QM finds a way. Flexible programs for investors, self-employed professionals, retirees, and beyond.
Non-QM lending fills the gap between borrowers' real financial lives and conventional underwriting's rigid rules. Each program below accommodates loan amounts up to $5,000,000 with 3-business-day initial underwriting turn times.
DSCR – Investor Cash Flow
Property income qualifies. No personal income docs. Min. FICO 680 | 80% LTV | Up to $5M
Bank Statement
12 or 24 months of deposits. Business or personal. No tax returns. Up to $5M
Profit & Loss (P&L)
CPA-prepared P&L only. Min. FICO 680 | 90% LTV | DTI ≤ 50% | Up to $5M
Asset Utilization
Assets = qualifying income. No DTI. Min. FICO 680 | 90% LTV | Up to $5M
Asset Depletion
Net assets ÷ 84 = monthly income. Retirees & HNW. Min. $500K post-close reserves.
1099 Reduced Doc
1099 forms + 10% fixed expense ratio. Contractors & gig workers. Up to $5M
WVOE
Employer letter only. No pay stubs or W2s. Wage earners, primary residence.
Full Documentation
Traditional W2/tax returns with Non-QM flexibility. Complex properties welcome.
Rental Income Supplement
75% of gross rents supplements income across Bank Statement, P&L, 1099, Asset Depletion, and Asset Utilization programs.
Every borrower has a story. Let's find the program that fits.Initial UW: 3 business days · Conditions: 2 business days
Your NameNMLS #______(555) 555-5555email@example.com
We Want to Hear From You
Your experience in the field gives you insight we can't get anywhere else. Whether it's a program you'd like to see added, a resource that would make your workflow easier, or feedback on how we can better support your business — we're listening.
Drop your suggestion below. Every submission is reviewed by our team.