Mortgage Solutions That Match How You Actually Earn

Bank statement, P&L, and DSCR loans for entrepreneurs, freelancers, and gig workers

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Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

Tax write-offs and deductions reduce qualifying income on tax returns below actual earnings

Traditional lenders requiring W-2s and pay stubs that self-employed borrowers do not have

Inconsistent or seasonal income making it hard to show stable monthly earnings

Being turned down by banks despite having strong cash flow and healthy bank balances

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

Non-QM Loans

Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.

Min. Credit Score: 620

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DSCR Loans (Investors)

Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.

Min. Credit Score: 640

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Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

Min. Credit Score: 620

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • Bank statement loans: 12-24 months of consistent bank statements showing sufficient deposits
  • P&L loans: CPA-prepared profit and loss statement for the most recent 12-24 months
  • Minimum credit score of 620 for most Non-QM programs
  • Down payment of 10-20% depending on the program and credit score
  • ITIN loans available for borrowers with Individual Taxpayer Identification Numbers

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We've helped hundreds of borrowers achieve their homeownership goals.

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FAQ

Frequently Asked Questions

Instead of tax returns and W-2s, we use 12-24 months of your personal or business bank statements. We calculate your qualifying income based on average monthly deposits (for personal) or a percentage of deposits (for business, typically 50% expense factor). This often results in significantly higher qualifying income than tax returns show.
Some programs accept as little as 12 months of bank statements or self-employment history. Standard programs typically require 2 years. If you have been in the same industry as an employee before going self-employed, that experience may count toward the requirement.
Seasonal and variable income is common for self-employed borrowers. We average your bank deposits over the 12-24 month period to account for fluctuations. As long as the average meets the qualification threshold, monthly variation is acceptable.
Yes. P&L loans require a profit and loss statement prepared or signed by a licensed CPA. This provides third-party verification of your business income. The P&L should cover the most recent 12-24 months and be consistent with your bank statement deposits.
Non-QM loan rates are typically 0.5-2% higher than conventional rates. However, the ability to qualify based on actual cash flow rather than tax returns often means you can purchase a more valuable property or secure financing that would otherwise be unavailable.
Yes. Our ITIN loan program allows borrowers with an Individual Taxpayer Identification Number to purchase property. ITIN loans are available for primary residences and typically require 15-20% down with alternative credit documentation.

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

Find Your SolutionSchedule a Consultation
(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026