Loan Factory · Bank Statement, P&L & Asset Utilization
Your income doesn't fit on a W-2.
Your loan shouldn't either.
Helping Real Estate Investors Get Deals Dunn
Self-employed, business owner, or investor with income that doesn't show up neatly on a tax return? Qualify using 12–24 month bank statements, a CPA-prepared P&L, or your liquid assets — no tax returns, no W-2s, no red tape.
$5M
Max loan amount
90%
Max CLTV
620+
Min credit score
No Tax Returns
On any documentation path
Documentation options
Three ways to qualify without tax returns
Every borrower's income looks different. Pick the documentation path that matches how you actually get paid — not how a bank thinks you should.
Bank Statement
For self-employed borrowers with steady deposits.
Rates based on program & LTV
90%
Max CLTV
620+
Min credit score
$4M
Max loan amount
55%
Max DTI
Best for: business owners whose income flows steadily through one or two accounts
12 or 24 month personal or business statements
No tax returns or W-2s required
Owner-occupied, second home & investment eligible
Cash-out available
First-time homebuyers eligible on qualifying programs
P&L Only
For business owners with clean, CPA-prepared books.
Rates based on program & LTV
80%
Max CLTV
620+
Min credit score
$2.5M
Max loan amount
55%
Max DTI
Best for: business owners whose deposits are spread across accounts or mixed with personal spending
CPA or licensed tax preparer prepared P&L
No bank statements or tax returns required
Owner-occupied, second home & investment eligible
Ideal for business owners who don't run everything through one account
Cash-out available
Asset Utilization
For borrowers with strong assets and little or no active income.
Rates based on program & LTV
80%
Max CLTV
620+
Min credit score
$5M
Max loan amount
Not Req.
Max DTI
Best for: retirees, high-net-worth borrowers, or anyone between active income sources
Qualify using liquid assets — no income or employment required
Retirement, brokerage & bank assets eligible
Ideal for retirees or borrowers between income sources
Owner-occupied, second home & investment eligible
Cash-out available
Not sure which documentation type fits you?
Tell us how you get paid and we'll match you to the right program in minutes.
FAST QUALIFICATION
See What You Qualify For
Enter basic property metrics below to generate a preliminary quote without affecting your credit score.
Your data is secured. No hard credit pull required to view initial rates.
Simple process
From application to funded — no tax returns needed
Once we know which documentation path fits you, the process moves fast. No income verification headaches, no waiting on your accountant to amend three years of returns.
1
Pick your path
Tell us how you get paid — bank deposits, P&L, or assets — and we match you to the right program.
~5 minutes
2
Receive term sheet
Detailed terms including rate, leverage, and loan structure sent to you fast.
Within 24 hours
3
Documentation review
We review your statements, P&L, or asset accounts — no tax returns or W-2s required.
3–10 days
4
Close & fund
Sign at title and receive your funds. Move on your deal before the opportunity is gone.
10–21 days total
1
Pick your path
Tell us how you get paid — bank deposits, P&L, or assets — and we match you to the right program in a quick call or short application.
Takes about 5 minutes
2
Receive term sheet
We review your deal and send full loan terms — rate, leverage, and loan structure — typically within 24 hours of submission.
Within 24 hours
3
Documentation review
We review your bank statements, CPA-prepared P&L, or asset accounts — whichever path you chose. No tax returns or W-2s required.
3–10 business days
4
Close & get funded
Sign at a local title company and receive your funds. Move on your deal before the opportunity passes you by.
10–21 days total
Typical closing timelines by documentation type
Bank Statement
10–17 business days
P&L Only
10–17 business days
Asset Utilization
14–21 business days
What you'll need to get started
12 or 24 months of bank statements (Bank Statement path)
CPA or tax preparer contact info for P&L prep (P&L path)
Most recent statements on retirement, brokerage, or bank assets (Asset Utilization path)
Property address and purchase or refinance details
Basic credit background
Loan Factory · Bank Statement, P&L & Asset Utilization
Income that doesn't fit the box?
Let's get it financed.
Get a free quote in minutes. Bank statements, P&L, or assets — whichever fits how you actually get paid. No tax returns, no red tape, just fast answers.
Term sheets in 24 hours
No tax returns required
Three ways to qualify
First-time investors welcome
$5M
Maximum loan amount
90%
Max CLTV available
10–21
Business day closings
620+
Minimum credit score
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