THE CREATIVE CAPITAL
Flexible Mortgage Solutions for Real
Estate Investors & Self-Employed Borrowers
Real Estate Doesn’t Wait. Neither Should You. Whether you’re expanding your portfolio, refinancing an investment property, or looking for more flexible terms, our DSCR and Non-QM products are designed with real-world borrowers in mind.
Serving real estate investors, self-employed professionals, super jumbo loans, borrowers with non-traditional income, foreign nationals, credit-challenged borrowers
Investor DSCR Loans
(Debt Service Coverage Ratio)
No tax returns. No income statements. Just cash flow.
- Loan amounts up to $4M
- LTV up to 75%
- Fico as low as 660
- Qualification based on property cash flow (rents vs. mortgage payments)
- No personal Income required
- No Ratio allowed
- Close in LLC or personal name
- Short-term rentals (Airbnb/VRBO) allowed
- Interest-only options available
- No employment or income verification
Non-QM Loans
When traditional financing doesn't fit — we do.
- Personal and Business bank statement loans (12–24 months)
- Loan amounts up to $5M
- Asset depletion programs
- Recent credit events OK (BK, foreclosure, late payments)
- 1099-only income qualification
- 12 month P&L qualification
- Foreign national loans
- ITIN borrower programs
- Low reserve requirements and cash out as reserves allowed
