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You do not need perfect tax returns, flawless W-2s, or a traditional path to qualify for the right mortgage.
We help self-employed borrowers, real estate investors, foreign nationals, cannabis industry professionals, and asset-based borrowers find loan options that make sense for how they actually earn, invest, and build wealth.
Whether you are buying a home, financing a rental property, pulling equity from an investment property, or trying to solve a lending problem the bank could not fit into a box, we can help you sort through the options.
Your future, your way. 🚀
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Start with the path that works best for you.
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Have a question or an unusual scenario? Message us now!
No application required.
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Explore loan options for self-employed, investor/DSCR, foreign nationals, cannabis industry, credit challenges.
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Need help finding the right program? Let our Unconventional Program Finder™ narrow down the right loan options.
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Unconventional mortgage loans are home loans that do not follow the standard bank or government-agency playbook. They are often used when a borrower’s income, credit, property type, or investment strategy does not fit a traditional loan.
Common examples include DSCR loans, bank statement loans, profit and loss loans, 1099 loans, asset-based loans, and cannabis income loans.
Sometimes the traditional mortgage box is too narrow.
Self-employed borrowers may not show enough income on tax returns. Real estate investors may want the property’s rental income to drive the approval. Other borrowers may have strong assets, unusual income, or a credit history that needs a more flexible review.
That is where an unconventional loan can help.
Yes. Unconventional mortgage loans are real loan programs offered through licensed mortgage lenders.
They are not shortcuts around lending rules. They are simply built for borrowers who need a different way to document income, qualify with rental property cash flow, use assets, or solve a lending problem that a standard mortgage may not fit.
An unconventional loan may make sense if a traditional lender has trouble understanding your income, property, credit history, or overall financial picture.
That often includes self-employed borrowers, real estate investors, 1099 earners, borrowers with strong assets, or buyers with a recent credit event.
If you are not sure where you fit, you can use our Program Finder or send us your scenario. We can help you narrow down the options.
Yes. We are licensed to help borrowers in multiple states and specialize in unconventional mortgage options.
Our focus is on programs that many banks and retail lenders do not offer, including DSCR loans, bank statement loans, profit and loss loans, asset-based loans, and other non-traditional mortgage options.
Most lenders focus on conventional, FHA, VA, and jumbo loans first. We can help with those, but our main focus is borrowers who do not fit the standard box.
That includes self-employed borrowers, real estate investors, foreign nationals, cannabis income earners, asset-based borrowers, and clients with credit challenges.
Instead of trying to force every borrower into the same approval path, we help match the scenario to the program.
Real stories from borrowers who needed a different path.
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🔥 TOP PROGRAM!
Our DSCR loan options let real estate investors qualify based on the property’s rental income instead of personal income.
A strong fit for rental property purchases, investment property refinances, and investors who want to avoid tax-return-based income verification.
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Use rental income or DSCR criteria to finance investment properties without relying on personal income documentation.
We offer several DSCR loan options for real estate investors, including programs for lower credit scores, cash-out refinances, no-ratio scenarios, short-term rentals, and entity-owned properties.
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Qualify using 1099 income instead of traditional tax returns.
Built for independent contractors, gig workers, freelancers, and other 1099 earners.
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Use bank statements to qualify for a second mortgage without relying on tax returns.
This can be useful for accessing home equity without refinancing your first mortgage.
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Use a CPA-prepared profit and loss statement to help qualify.
A good option when tax returns or bank statements do not clearly show current business income.
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Use personal or business bank statements to document income instead of tax returns.
Built for self-employed borrowers, business owners, and contractors with consistent deposits.
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Qualify without traditional income documentation.
These programs are built for borrowers whose tax returns do not tell the full story, including business owners, freelancers, independent contractors, 1099 earners, and self-employed professionals.
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Designed for non-U.S. citizens buying or refinancing U.S. real estate.
Options may be available with no U.S. income, no U.S. tax returns, or limited U.S. credit history.
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Finance U.S. real estate without traditional U.S. income documentation.
We offer loan options for non-U.S. citizens buying a vacation home, second home, or investment property in the United States.
Some programs are built for borrowers with U.S. credit, while others require no U.S. credit history.
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Qualify using eligible liquid assets instead of traditional income.
A good fit for borrowers with strong savings, retirement accounts, investment accounts, or other qualifying assets.
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Use liquid assets to help qualify when traditional income documentation does not tell the full story.
This option may work for retirees, investors, high-net-worth borrowers, or borrowers between jobs who have significant assets but limited reportable income.
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Use eligible cannabis or hemp industry income to help qualify for a mortgage.
Options are available for W-2 employees, business owners, contractors, and self-employed borrowers in the legal cannabis industry.
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Mortgage options for cannabis and hemp industry employees, business owners, and self-employed borrowers.
Many banks and credit unions avoid cannabis-related income, even when the business is legal and properly documented.
We work with loan programs that allow eligible cannabis income to be used for home financing.
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FHA loans allow more flexible credit guidelines than many conventional loan programs.
They can be a good fit for buyers with lower credit scores, smaller down payments, or past credit challenges.
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FLEX loans are built for borrowers who need more flexibility than a standard mortgage allows.
This program may help with recent credit events, lower credit scores, or other non-traditional credit histories.
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Past credit issues do not always mean you are out of options.
We offer loan programs for borrowers with recent credit events, lower credit scores, or non-traditional credit histories.
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Still not sure which path fits?
Call us and we’ll help you narrow it down.
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Still exploring? Try the Unconventional Program Finder™ 🤖 »
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