Some files are not simple. That does not mean they are impossible — it means they need the right lender and the right strategy.
Non-QM loans follow alternative underwriting guidelines — qualifying on bank deposits, rental income, assets, or vesting equity instead of tax returns and pay stubs.
Qualify on 12 or 24 months of business or personal bank deposits — no tax returns required. Income evaluated using bank-statement documentation under applicable lender guidelines.
Qualify on the property's rental income — not your personal income. No tax returns, no pay stubs. Scale your investment portfolio without income barriers.
Vesting equity counts as income when documented correctly. We structure RSU income using vesting schedules and documentation that certain lenders may consider in qualification.
Significant assets, limited documented income. We convert your investment portfolio or retirement accounts into qualifying monthly income — no W-2 required.
$650K and above. White-glove execution for high-value purchases and refinances — with access to lenders who specialize in complex, large-balance transactions.
Non-US citizens, ITIN borrowers, and foreign investors welcome. International income documentation, foreign asset verification, and ITIN-based qualification handled with expertise.
Beyond non-QM, we offer the full range of conventional and government-backed programs — with the same expert structuring applied to every file.
Conforming and high-balance conventional loans — including complex W-2 income, variable pay, bonus history, multiple income streams, and investment property financing.
3.5% down with a 580+ credit score. FHA financing for first-time buyers, move-up buyers, and borrowers who need flexible underwriting — including 203(k) renovation loans.
Zero down payment, no PMI, and competitive rates — the most powerful mortgage benefit available to those who served. IRRRL streamline refinance included.
Zero down payment for eligible Florida properties — more zip codes qualify than most borrowers expect. The lowest mortgage insurance rates of any government program.
Single-close construction loans that convert to permanent financing at completion. Lock your rate before groundbreak — one application, one set of closing costs.
Tap your home equity with a flexible revolving line of credit. Draw what you need, when you need it — for renovations, investments, or business capital.
HECM and proprietary reverse mortgage programs for eligible homeowners 62 and older. Convert home equity into tax-free income or a line of credit — with no required monthly mortgage payment.
Tell us about your situation. Alex will tell you exactly which program works and why — before you apply.
Self-employed with strong cash flow but tax returns that don't reflect your real income.
Bank Statement Loans → I AM AN...Scaling a rental portfolio and need to qualify on property cash flow, not personal income.
DSCR Loans → I WORK IN...High W-2 income with RSUs, bonuses, or other equity comp your bank didn't count correctly.
RSU Income → I HAVE...Large investment or retirement accounts but limited documented monthly income.
Asset Depletion → I AM A...Non-US citizen or ITIN borrower purchasing property in the United States.
Foreign National → I'M NOT SURE...15 minutes. No pitch. He'll tell you honestly which program fits your situation and what to expect.
Schedule a Call →Tell us about your situation. We'll tell you honestly what's possible — and show you exactly how to get there. In English or Spanish.