Traditional lending doesn’t always reflect the true financial strength of today’s borrowers, especially entrepreneurs, investors, contractors, and those with non-traditional income streams. Alternative Income Loans are designed to provide flexible, realistic pathways to homeownership and real estate investing without relying on standard W-2s or tax returns.
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No tax returns required
Flexible documentation options tailored to how you earn
Perfect for self-employed and non-traditional income borrowers
Ideal for primary homes, second homes, or investment properties
Designed to qualify you using real cash flow, real deposits, or real assets
Flexible DTI requirements
Faster approvals and less paperwork
Unlock loan options big banks often decline
Qualify using 12- or 24-months of 1099 forms
No tax returns required
Up to 90% purchase, 85% cash-out
Loan amounts up to $4M
Minimum credit score of 650
Purchase, refinance, cash-out options available
Qualify using a completed Written Verification of Employment from your employer
Ideal for W-2 employees with stable job history
Up to 80% purchase, 75% cash-out
Loan amounts up to $4M
Primary, second home, investment
Flexible DTI requirements
Minimum credit score of 670
12- or 24-months CPA prepared profit and loss statement
Up to 80% purchase, 75% cash-out
Loan amounts up to $4M
Flexible DTI requirements
No tax returns required
Minimum credit score of 670
Ideal for borrowers with strong business revenue
Qualify using assets instead of income
Typical assets allowed: checking, savings, stocks, bonds, retirement accounts
Loan amounts up to $4M
Minimum credit score of 650
Primary, second home, or investment
Up to 90% purchase, 85% cash-out
Minimum loan amount of $150K
ITIN accepted in place of SSN
Primary, second home, investment
Bank statements or alternative income documents accepted
Up to 90% purchase, 85% cash-out
Purchase, refinance, and cash-out options
Loan amounts up to $4M
Minimum loan amount of $100K
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 660.
Get underwriter approval in 48 hours and your deal funded in 15 days.
We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!
Closings within 15 business days. Don't waste another day. Call a loan guy now!
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