The full shelf
Nine non-QM programs, zero jargon
Every program below solves the same problem a different way: qualifying great borrowers whose finances don’t fit the tax-return box. Start with DSCR if you’re buying rentals — start with a text if you’re not sure.
DSCR LoansFlagship
The rental’s income does the qualifying — no tax returns, no W-2s, no personal DTI math.
Learn more →Bank Statement Loans
Your deposits tell the income story — 12 or 24 months of statements instead of tax returns.
Learn more →1099-Only Loans
Qualify straight off your 1099s — no tax returns, no expense archaeology.
Learn more →P&L-Only Loans
A CPA-prepared profit & loss statement stands in for the entire income file.
Learn more →Asset Qualifier Loans
Substantial assets, modest paper income — your balance sheet becomes your income.
Learn more →ITIN Loans
No Social Security number required — qualify with an ITIN and a real credit story.
Learn more →Foreign National Loans
No U.S. credit, no U.S. income, no problem — financing for non-resident buyers.
Learn more →Interest-Only & 40-Year
Engineer the payment: interest-only periods and extended terms for maximum cash flow.
Learn more →Bridge & Fix-and-Flip
Short-term capital for acquisitions, rehabs, and the gap between buy and refi.
Learn more →No idea which one?
One-sentence version of your situation, texted to us, gets the program named in the reply. Fastest quiz you’ll ever take.
💬 Text 612-505-7663Got a deal on the table? Run it past the team.
No pressure, no jargon, no obligation — a straight answer on whether the numbers work, from a team that lives in investor lending. Text, call, or apply whenever you’re ready.