Non-traditional Loans

Break Free from Traditional Lending—Your Goals, Your Rules

Not every borrower fits the mold. Whether you’re building a real estate empire, forging your own path as a self-employed visionary, or investing in unconventional properties, our loans adapt to your life—not the other way around.

DSCR Loans (Debt Service Coverage Ratio)

Unlock Investment Potential with Rental Income Power
Stop letting personal income requirements stall your next deal. DSCR loans are built for savvy investors who want to qualify based on a property’s cash flow—not pay stubs or tax returns. Perfect for Airbnb rentals, multifamily units, or commercial properties that pay for themselves.

Why Investors Love DSCR Loans

✅ No Tax Returns or W-2s: Qualify using projected rental income, not your personal finances.

✅ Fast Approval: Streamlined process focused on the property’s profit potential.

✅ Scale Your Portfolio: Finance multiple properties without maxing out your debt-to-income ratio.

Ready to Grow Your Portfolio? Let the Property Pay for Itself.

Condo Hotel Loans

Own a Slice of Luxury—Live, Rent, or Invest
Condo hotels blur the lines between vacation home and income-generating asset. Our tailored financing embraces this hybrid model, offering terms that work for part-time residents, full-time investors, or anyone chasing a beachside ROI.

Why Choose a Condo Hotel Loan?

✅ Customized Terms: Finance units in resorts or branded properties (e.g., Marriott, Hilton).

✅ Short-Term Rental Friendly: No red tape for Airbnb or VRBO income strategies.

✅ Flexible Use: Occupy the unit, rent it out, or mix both—your loan adapts to your plan.

Turn Vacation Destinations into Revenue Streams—Start Today.

Bank Statement Mortgages

Your Hustle Counts—Even Without a W-2
Self-employed? Freelancer? Entrepreneur? Prove your income with bank statements instead of tax returns. We celebrate non-traditional earners, whether you’re a gig worker, small business owner, or creative building your legacy.

Key Benefits

✅ 12-24 Months of Statements: Use deposits to show income—no employer verification.

✅ Higher Loan Limits: Qualify for more based on cash flow, not just taxable income.

✅ Fast Closings: Skip the paperwork pile—we keep it simple.

You’re More Than a Pay Stub. Let’s Prove It.

Mortgages in LLCs

Protect Your Wealth, Expand Your Portfolio
Keep business and personal finances safely separate. Secure financing under your LLC to safeguard assets, simplify taxes, and build a scalable real estate business.

Why Finance Through an LLC?

✅ Asset Protection: Shield personal savings from business liabilities.

✅ Tax Advantages: Write off mortgage interest and expenses at the business level.

✅ Portfolio Growth: Easily manage multiple properties under one entity.

Invest Smarter—Not Harder. Secure LLC Financing in Days.

If traditional lending isn’t the right fit, there’s still a path to homeownership and investment success. Let’s find the best loan solution for you!