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Bank Statement / DSCR / Profit & Loss
Secure home financing without traditional income documentation. A Bank Statement Mortgage allows self-employed individuals or business owners to qualify for home financing without traditional income documentation like W-2s or tax returns. Instead, lenders review 12–24 months of personal or business bank statements to verify income. This loan is ideal for those with non-traditional income and functions similarly to a conventional mortgage, with fixed monthly payments over a set term. Why choose a Bank Statement LoanNo W-2s or tax returns required: Ideal for self-employed borrowers or business owners.Flexible income verification: Lenders use 12–24 months of bank statements to assess income.Fewer documents and more lenient guidelines to allow for streamlined closings.Higher approval potential: Great for those with strong cash flow but complex tax filings.Use personal or business accounts: Offers flexibility in how you prove your earnings.Can finance primary, secondary, or investment properties: Not limited to just your home.Similar structure to conventional loans: Fixed or adjustable rates with regular monthly payments.How Bank statement loans workInitial Consultation: Discuss your financial situation with the lender to determine if a bank statement loan fits your needs.Submit Bank Statements: Provide 12–24 months of personal or business bank statements to verify your income.Income Analysis: The lender reviews and averages your bank deposits to establish your qualifying income.Loan Estimate & Terms Discussion: Review available loan options, interest rates, and monthly payment estimates tailored to your profile.Appraisal Ordered: A professional appraisal confirms the value of the property you intend to purchase.Title Search & Insurance Setup: The lender coordinates title verification and ensures homeowners insurance is in place.Finalize Terms and Closing: Review and sign closing documents, pay any closing costs, and complete the loan funding process.
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Blanket Portfolio
A Blanket Portfolio Loan allows real estate investors to bundle multiple properties—such as homes, commercial buildings, or rental units—under a single mortgage. This streamlined financing option simplifies management and payments by replacing separate loans with one loan that covers your entire portfolio. Ideal for investors looking to acquire, refinance, or manage several properties at once, it provides flexibility, efficiency, and an easier way to scale your real estate investments smarter and faster. Why choose a blanket portfolioSingle loan, simplified management: Consolidate multiple properties under one mortgage, streamlining oversight and reducing the burden of managing separate loans.Covers acquisition and rehab costs: Finance the purchase and renovation of multiple properties within one loan, with the option to roll costs into long-term debt.One monthly payment: Enjoy the convenience of a single monthly payment for your entire portfolio, improving cash flow and financial tracking.Flexible exit strategy: Includes “carve-out” provisions that allow individual properties to be sold without triggering full loan repayment.Increased leverage and efficiency: Loan-to-value (LTV) ratios typically range from 70% to 80%, giving you access to more capital with less cash upfront.Works with lower-value properties: Eligible property values can start as low as $40,000 per unit, making it accessible for smaller-scale investments.Supports portfolio growth: Enables scalable expansion by leveraging the combined strength of your portfolio rather than qualifying each property individually.Potential cost savings: Reduce total loan fees and interest costs by financing your entire portfolio with a single lender and structure.How blanket portfolios workInitial Consultation and Portfolio Review: Share your investment goals and details of all properties you want to include.Loan Application and Documentation: Provide financial information and property details for your portfolio.Property Appraisal and Portfolio Valuation: Each property is appraised to assess combined value and risk.Underwriting and Loan Structuring: The lender reviews your portfolio and credit to create a tailored loan plan.Loan Offer and Terms Agreement: Receive and review loan terms covering the entire portfolio.Closing and Funding: Sign documents, pay closing costs, and consolidate your properties under one loan.
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Bridge / Rehab / Commercial
A rehab loan, also known as a renovation loan, is a type of loan used to finance the purchase and renovation of a property. It is a good option for someone who wants to buy a fixer-upper or an older property in need of repairs and upgrades, as it allows them to combine the cost of the purchase and the renovation into one loan. Rehab loans typically offer flexible terms and may include various options for financing the renovation, making it a convenient and cost-effective way to finance a home renovation project. Why Choose a Rehab LoanFunds for renovation: Rehab loans provide borrowers with funds specifically for the purpose of renovating a property, which can improve its value and livability.Low downpayment requirement: It requires only a 20% downpayment of the property's purchase price (or total project cost) out of your own funds, while the lender finances the remaining 80%.100% rehab financing available: Covers the full cost of approved renovations, reducing the need for out-of-pocket expenses.Option to roll in monthly payments: Some rehab loans allow borrowers to include several months of mortgage payments in the loan amount during the renovation period.Ideal for fix-and flips or BRRRRs: Perfect for real estate investors looking to renovate, rent, refinance, and repeat.Increased property value: By renovating a property with a rehab loan, the borrower can increase the property’s value and potentially improve their return on investment.Streamlined process: Rehab loans are often streamlined, making it easier for borrowers to obtain financing for their renovation project.The VA also offers a similar option for military and veterans to purchase a home and finance the required renovations to bring it up to standards set by the VA. How rehab loans workEligibility: To be eligible for a rehab loan, the property must typically meet certain conditions, such as being a single-family residence or a multi-unit property.Application: Borrowers must complete a loan application and provide documentation of their income, assets, and debts, as well as the planned renovation project.Loan Approval: After the loan application is submitted, the lender will review the application and make a decision on loan approval.Funds release: If the loan is approved, the funds will be released in stages, typically as the renovation work is completed.Repayment: Rehab loans have a fixed or adjustable interest rate and a repayment term of typically 15 or 30 years. Borrowers make monthly payments to the lender, which go towards paying off both the principal and interest on the loan.
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