LOAN PROGRAMS

Built for Investors.
Built for Self-Employed.

Every loan program we offer in one place. Find the one that fits your situation, then talk to a human.

FLAGSHIP
DSCR Loans
Qualify on the property's rental income, not your tax returns. Built for investors scaling a portfolio without W-2 hassle, complex tax filings, or DTI limits.
  • 85% LTV purchase and rate-and-term refinance
  • 80% LTV cash-out refinance
  • 30-yr fixed available
  • No personal income docs required
  • LLC and entity-friendly closings
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Non-QM
Bank statement, P&L, asset depletion, and 1099-only programs for self-employed borrowers who don't fit the traditional box.
12 or 24-month bank statements · No tax returns required
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Conventional / FHA / VA
Owner-occupied financing for primary residences and second homes. Conforming, jumbo, FHA, and VA loan options.
3% down conventional · 3.5% down FHA · 0% down VA
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HELOC
Tap your home equity for renovation, debt consolidation, or your next investment property without refinancing your first mortgage.
Up to 90% CLTV · Flexible draw periods
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BRRRR / Hard Money Exit
Refinance out of expensive bridge or hard money debt into long-term DSCR financing. Stop bleeding interest, start building cash flow.
Refinance into 30-yr fixed · Cash-out available
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$300M+Funded
1,000+Clients Served
21-Day Avg Close · Available in 30+ States · <10 Min Pre-Approval

Based on leadership experience prior to Rate Hero

Not sure which one fits?

Talk to Sean directly. 15 minutes, no pitch, just answers.

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100% confidential · No credit pull · No SSN required