No W-2? No problem.
If you're self-employed, 1099, a real estate investor, or simply don't fit the traditional income-doc box, conventional underwriting can feel like a dead end. Non-QM programs look at the real story — bank deposits, rental cash flow, assets, or deal performance — so you can buy or refinance without a stack of W-2s.
For self-employed borrowers who can't show traditional income on a tax return
The bank statement loan is built for business owners, freelancers, and 1099 earners whose tax returns don't reflect their actual cash flow. Instead of W-2s or pay stubs, we use 12–24 months of personal or business bank statements to qualify you.
We average your deposits, confirm your business has been operating for at least two years, and build a qualifying income figure that looks a lot more like real life. Rates run a bit above conventional — typically 0.75% to 1.5% higher — but for many self-employed borrowers, it's the difference between a "no" and a clear-to-close.
Debt Service Coverage Ratio — for real estate investors
A DSCR loan qualifies the property, not you. If the rental income the property generates covers the mortgage payment — usually a DSCR of 1.0 or higher — you can qualify without tax returns, W-2s, or employment verification.
This is how experienced investors keep scaling: fourth rental, seventh rental, fifteenth rental, all without a conventional lender capping them based on personal debt-to-income. Down payments are generally 20% to 25%, credit usually needs to be 680+, and pricing is competitive because the lender is underwriting the deal, not your life story.
Minimal documentation for strong-credit, asset-rich borrowers
No-doc and stated-income programs are designed for borrowers who have strong credit and liquid assets but non-traditional or hard-to-document income. Think retirees with brokerage wealth, entrepreneurs between exits, or professionals with irregular compensation.
These loans rely on asset reserves, credit profile, and sometimes a simple income statement rather than full tax-return underwriting. They're not for everyone, but when the borrower's financial picture is clearly solid, they can be the cleanest path to a mortgage.
Fix-and-flip, buy-and-hold, and multi-unit financing
We work with real estate investors across NJ, PA, and TX to structure loans around deal performance — not just personal financials. Whether you're renovating a fix-and-flip, refinancing a rental into long-term debt, or buying a multi-unit property, we have access to investor-specific products that traditional banks often won't touch.
Our job is to match the loan to the strategy: short-term bridge financing for flips, DSCR or bank-statement loans for rentals, and portfolio products for multi-unit acquisitions. You bring the deal; we help you fund it.
Best fit if…
- ✓You're self-employed with 2+ years in business
- ✓Your tax returns understate your real cash flow
- ✓You're a real estate investor buying or refinancing rentals
- ✓You're flipping or scaling a property portfolio
- ✓You have strong assets but modest reported income
- ✓Traditional lenders keep saying "no" despite obvious means