Bank Statement Loans
Your business earns income in its own way. Explore a mortgage that uses eligible bank deposits to help document what you earn.
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Alternative Income Loans
Your income has a story.
Let’s understand it.
Self-employed, investing in a rental, or earning income in more than one way? Explore mortgage options that look at the details of your financial life.
Two useful starting points
Find the path that fits your goal.
DSCR Investment Loans
Let’s look at the property’s rental income, the full payment, and the cash you want to keep available.
Explore DSCR loans →A broader conversation
Other ways to document income.
1099 and contract income
Independent contractors may have options that use eligible 1099 earnings. Business expenses, work history, and the program’s income calculation still matter.
Assets and multiple income sources
Some programs can consider eligible assets or combine permitted income sources. We’ll check access to the funds, required reserves, and how each source can be counted without counting it twice.
Profit and loss documentation
Certain programs may consider a professionally prepared profit and loss statement with supporting records. Requirements vary. We’ll confirm what is acceptable before you pay for additional documentation.
Start with a comparison
A different documentation path still needs a comfortable payment.
We’ll compare a traditional mortgage where it fits, then look at alternative documentation if it helps tell the full story. Compare the rate, APR, points, fees, cash to close, and money left in reserve together.
Your questions
Let’s make it clearer.
Are these no-documentation loans?
No. Alternative documentation changes how eligible income is evaluated. It does not remove credit, asset, property, or underwriting requirements.
Which path is for a home I will live in?
Bank statement and other eligible personal-income programs may fit a primary home. The DSCR programs described here are for non-owner-occupied rental investments, not a home you intend to live in.
Do I need to apply before asking a question?
No. Start with a conversation about your work, property plans, and timeline. Share sensitive financial records only through the secure application process.
Real questions. A clearer plan.
Explore the decisions in more detail.
Your next move
Bring us the question. We’ll help with the next step.
You don’t need to know which program fits before we talk. Tell us about your goal and what feels complicated. We’ll work through the details with you.
Program availability, documentation, rates, fees, and eligibility depend on the complete file and current requirements. All loans are subject to credit, income or rental analysis, asset, property, and underwriting approval. Reviewed September 14, 2026.