Access flexible Non-QM financing from $75,000 to $5,000,000 across primary residences, second homes, and investment properties. Qualify using 12 or 24 months of bank statements, 1099 forms, CPA-prepared P&L statements, WVOE, or liquid asset utilization—up to 90% LTV with zero tax transcripts required.
Qualify using personal or business bank statements up to 90% LTV. Flexible expense ratios starting at 30% with CPA letter.
Streamlined 1-Year 1099 or CPA-prepared P&L programs up to 85% LTV with no bank statement audit needed.
Written Verification of Employment (Form 1005) for wage earners up to 80% LTV. No W-2s or tax transcripts required.
Convert 100% liquid checking, savings, stocks, bonds, or retirement assets into monthly qualifying income up to 80% LTV.
Whether you run a growing business, work as a 1099 contractor, maintain substantial liquid assets, or need wage verification without tax returns—we match your documentation profile with wholesale investor guidelines.
Qualify using business or personal bank statement deposits. Expense ratios default to 50% or down to 30% with CPA letter.
Streamlined qualification using a 12-month CPA-prepared P&L statement or 1099 form with a standard 10% expense factor.
Convert liquid assets, stocks, bonds, and retirement accounts into monthly qualifying income without liquidating holdings.
For employed wage earners using Written Verification of Employment (Form 1005). Zero tax transcripts or W-2s required.
| Income Documentation Tier | Eligible Borrowers | Max LTV / CLTV | Loan Range | Min FICO & DTI | Underwriting Focus |
|---|---|---|---|---|---|
| Bank Statements (12M & 24M) | Self-Employed (2+ Yrs) | Up to 90% LTV | $75,000 – $4,000,000 | 620 FICO / Up to 55% DTI | Personal/Business Deposits & Expense Factors (30%-50%) |
| Profit & Loss (P&L Only) | Self-Employed & Business Owners | Up to 80% - 85% LTV | $150,000 – $2,500,000 | 660 FICO / Up to 50% DTI | 12M CPA / EA / CTEC Prepared P&L Statement |
| 1099 Contractor / WVOE | Independent Contractors & Wage Earners | Up to 80% - 85% LTV | $125,000 – $3,000,000 | 620 FICO / Up to 50% DTI | 1-Year 1099 Form or Employer Form 1005 (No Tax Returns) |
| Asset Utilization / Depletion | High Net Worth, Retirees, Investors | Up to 80% LTV | $150,000 – $4,000,000 | 640 FICO / Up to 50% DTI | Liquid Assets divided by 60/84 Mos or Asset Qualifier Ratio |
No tax return hurdles, no tax transcript requests, and no rigid agency guidelines. Our Non-QM loan process is built around actual cash flow and true purchasing power.
Select your ideal documentation type—Bank Statements, P&L, 1099, WVOE, or Liquid Asset Utilization. We analyze wholesale matrices to lock in max leverage.
We issue an executive Pre-Approval letter backed by verified bank deposits or CPA documentation so you can make aggressive purchase offers immediately.
Close in 14 to 21 days with streamlined appraisal options, zero IRS tax transcript delays, and flexible reserve guidelines.
Maximize your home buying leverage up to 90% LTV without being penalized for legal business write-offs or net tax returns.
Qualify using your 1099 statements with a fixed 10% expense factor—keeping 90% of your gross 1099 revenue as qualifying income.
Convert liquid checking, savings, stocks, bonds, or retirement assets into monthly qualifying income without liquidating holdings.
Qualify using an employer-completed Written Verification of Employment form—ideal for wage earners needing fast, simple documentation.
We shop across top national Non-QM lenders to find the lowest interest rate, highest LTV, and most flexible expense ratio for your business profile.
Your approval is driven by real cash flow, CPA documentation, or liquid assets—never constrained by net income write-offs on tax returns.
Speed wins deals. By eliminating IRS tax transcript requests and complex tax audits, we close your deal smoothly and on schedule.
Everything you need to know about bank statement expense ratios, P&L requirements, minimum credit scores, asset utilization, and fast closing timelines.
We average total eligible deposits over 12 or 24 months. Standard business expense factors default to 50%, but can be reduced down to 30% with a short CPA, Tax Preparer, or Enrolled Agent expense letter.
No. Alt Doc programs are specifically underwritten without personal tax returns, business tax returns, or Form 4506-C tax transcripts. Your qualifying income is determined strictly by your chosen Alt Doc method.
Minimum credit scores start at 600 FICO for Core Non-QM and Primary/2nd Home programs (up to 80%-85% LTV) and 680 to 720 FICO for maximum 90% LTV leverage tiers.
You provide a 12-month Profit & Loss statement prepared and signed by a CPA, EA, or CTEC tax professional. Select wholesale tiers allow P&L Only qualification up to 80%-85% LTV with zero bank statement audits required.
Yes. Our Asset Utilization / Depletion program converts 100% of liquid checking, savings, stocks, and bonds—and up to 70%-100% of retirement accounts—into qualifying monthly income up to 80% LTV ($4M max loan amount).
Because decisions do not require IRS tax transcript delays or complex tax return verification, most Alt Doc loans close in 14 to 21 days, ensuring you meet seller deadlines with complete confidence.
Whether you are buying a primary home, secondary residence, or investment property—let's evaluate your income scenario across 240+ wholesale lender matrices.