When the big banks say no
I say let's go!
Creative mortgage solutions for all walks of life. The Hustlers, Owners, Creators and More
P&L Only Loans
(Stated Income Program)
The ultimate solution for self-employed borrowers with complex income streams.
This program allows you to qualify based on a Profit & Loss (P&L) statement only — no tax returns, no W-2s, and no bank statements required to support the income. Ideal for business owners, entrepreneurs, or anyone with non-traditional income who wants a fast and flexible path to homeownership or refinancing.
No CPA attestation required- No bank statements needed
- Max LTV: 85%
- Loan amounts up to $4 million
- Ideal for business owners, freelancers, and gig workers
- Use your P&L only to qualify
- Fast approvals with minimal documentation
Loan Programs We Offer
Bank Statement Loans
Qualify using 3, 12, or 24 months of bank statements
Use 100% of business deposits to qualify
Loan amounts up to $10 million
Up to 90% LTV
DSCR Loans
Max LTV 85%
Qualify with Short-Term Rental Income
Even if the property doesn’t cash flow — we’ve got you
ITIN Loans
89% LTV | Loan amounts up to $1M
Qualify with Full Doc or Bank Statements
No SSN? No visa? No problem
Expired IDs accepted
Asset Depletion Loans
Max LTV 80%
Qualify by dividing liquid assets over 60 months
(Industry standard is 84 — we make it easier)
Foreign National Loans
Investment & second homes
Stated income OK | No visa required
Up to 75% LTV | Loan amounts to $3M
2nd Liens
Up to 90% CLTV
Qualify with Bank Statements, P&L, or Full Doc
Loan amounts to $750k
Why Work With Me?
I offer more than just loan options — I offer solutions tailored to your situation. Here’s what sets me apart:
Fast Closings – Get your deal done quickly and efficiently
Common-Sense Underwriting – Real-world approvals, not just checkbox thinking
Creative Loan Structures – Outside-the-box solutions that banks can’t offer
No Seasoning Requirements – Move forward without waiting periods
OK with Mortgage Lates – Past hiccups? I look at the full picture
Multiple NSF Transactions? Still Okay – Flexibility when others say no
Non-Permanent Residents Welcome – I work with unique documentation and visa statuses
Trusted by Leading Lenders
John Y.
Customer
“I’m self-employed and was denied by banks. He reviewed my bank statements and got me approved quickly. The process was smooth, professional, and stress-free. I closed in under three weeks. If you’re struggling to get a loan, this is who you need on your side.”
Susan T.
Customer
“I had late payments and multiple NSFs, but he didn’t judge me. He found a loan option using my 12-month bank statements. I was approved fast and finally became a homeowner. Super responsive and knows his stuff. I highly recommend him to anyone who’s been turned down elsewhere.”
T. Williams
Customer
“As a real estate investor, I needed someone who understood DSCR loans. He helped me qualify using Airbnb income. The prequalification was quick, and everything closed smoothly. I’ve already sent referrals. If you’re serious about getting deals funded fast, work with him. True professional.”
faq
No problem. We specialize in alternative lending solutions that go beyond the strict guidelines of traditional banks.
In most cases, we can provide same-day prequalification once we review your documents.
Yes, we understand life happens. Many of our loan programs are flexible with late payments and NSFs.
Minimum credit score requirements vary by loan type, but we work with a wide range — even if your score isn’t perfect.
Absolutely! We have creative loan options available even if it’s your first home and you don’t meet traditional guidelines.
Yes! We offer DSCR loans that allow you to qualify using short-term rental income, even if the property doesn’t cash flow traditionally.
We offer loan amounts up to $10 million depending on the program and borrower qualifications.
Yes! We offer investment property loans for foreign nationals with no visa or income verification required.
Typically, we’ll ask for your bank statements, a completed application, and a P&L if applicable. We’ll guide you through everything.
Yes my team will analyze your bank statement income to not only present a monthly income number that we will utilize but they will also look at income trend, NSF and Overdraft detection as well as the monthly income number so that we know exactly how to structure the file up front!
I understand the purposes for using an SSN when filing taxes using an ITIN number and that is perfectly fine. We are not going to ask that you verify the social security number. As long as you are filing taxes using your ITIN that is Okay with us.
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