Tailored financing for self-employed individuals, business owners, and gig workers. Qualify using personal or business bank deposits instead of tax returns.
Bypass tax write-offs and tax returns. Qualification is calculated strictly using actual cash flow and bank account deposits.
Use 12 to 24 months of personal or business bank statements, allowing maximum flexibility depending on your company structure.
Finance primary residences, second homes, or investment properties with loan amounts up to several million dollars.
Designed for business owners, contractors, freelancers, and entrepreneurs with complex or non-traditional income streams.
Standardized or CPA-prepared expense ratios allow you to keep as much qualifying income on record as possible.
Get access to aggressive non-QM rates with options for fixed-rate terms and cash-out refinancing capabilities.
Flexible credit standards allow qualifying even if you have credit bumps or non-traditional credit histories.