What We OfferALT-DOC PROGRAMS
Bank statement, asset-based, and DSCR loan products for self-employed borrowers, investors, and business owners with complex income profiles. Your income is real — even if it doesn't show up on a W-2. We structure qualification around the full picture of what you earn and what you own.
Key Features of Alt-Doc Programs
Bank Statement Loans: 12 or 24 months of personal or business bank statements used in place of tax returns.
Asset Depletion: Substantial liquid assets can be converted into qualifying monthly income.
DSCR Loans: Debt-service coverage ratio loans for investment properties — qualification based on rental income, not personal income.
1099 Income: Accepted as a standalone income documentation source for contractors and freelancers.
No Tax Returns Required: Most alt-doc programs do not require federal tax return submission.
Coverage and Usage
Eligible Properties: Primary residences, second homes, and investment properties depending on program type.
Usage: Purchase, rate-and-term refinance, or cash-out refinance.
These programs are designed for borrowers whose financial strength is clear — but whose documentation doesn't conform to traditional lending standards.