Profit & Losses Program
Using a P&L statement can make qualifying easier if you're self-employed and work with the right lender. It lets you show your true income without being limited by tax deductions or fluctuating 1099s.
Simplify your Loan Process With Just Your Profit & Loss Statements
- No Bank Statements
- No Tax Returns
Foreign National Program
A Foreign National Program Loan is a type of mortgage loan offered to non-U.S. citizens who do not have a permanent U.S. residence, and are often living abroad but wish to buy real estate in the United States.
- Non-U.S. Citizens who live abroad
- Verification via foreign bank statements, CPA letters, or employment letters.
- Can vary widely; often available for jumbo loans (over conforming loan limits).
12 Month or 24 Month Bank Statement Program
Bank statement loans make it easier to qualify because they focus on your real income flow—not your taxable income. If you’re self-employed or have complex finances, this can be a game changer.
- 12-24 months of consistent bank statements
- 90% LTV
- 660 min fico
ITIN Program
An ITIN Loan Program is designed for individuals who do not have a Social Security Number (SSN) but have an Individual Taxpayer Identification Number (ITIN) issued by the IRS. These programs are tailored to help non-U.S. citizens.
- Must have a valid ITIN (not an SSN).
- Usually 10%–30% minimum down payment.
- Loan amounts vary; many lenders cap at $500,000–$750,000, but jumbo options exist.
DSCR Programs
This loan qualifies on the rental cash flow of the subject property and does not require employment or income documentation.
Qualify Multible Units with Market Rent Potential.
- 2-10 Unit DSCR Program
- 2-8 Unit Mixed Use DSCR Program
- 2-4 Units
- No Ratio DSCR Program up to 80%
1099 Statements
The 1099 loan program is advantageous because it allows self-employed individuals and independent contractors to qualify for a mortgage using their 1099 income instead of traditional tax returns.
- 1-Year 1099
- 2-Year 1099
