Investors
Financing built around the property.
Qualify on the asset, or on documents other than tax returns. These are the programs investors actually use when conventional underwriting runs out of room.
These are business purpose loans, used to acquire, improve or hold property you do not live in. If you plan to live in the property for more than 14 days in the coming year, it is not treated as a business purpose loan, a different set of rules applies, and you should tell us before you apply.
Book a Strategy Scenario CallThe property carries it
Qualified on the asset, or on the deal.
The property's own numbers do the qualifying, or the plan for it does. This is the side to read when your returns will never show what the property is worth holding, or when the deal has a shape a conventional loan has no room for.
DSCR
Qualified on the property's rent, not your tax returns.
How it works →Fix and flip
Short term money to buy the property and pay for the work.
How it works →Bridge
Short term money for a gap, underwritten on how it ends.
How it works →SBA
For the building your business occupies, or the business you are buying.
How it works →Commercial
Five units and up, underwritten on the asset and how it operates.
How it works →Your paperwork carries it
Qualified on something other than a tax return.
The income is there. It just does not survive the return once the write-offs are in. Each of these reads a different document instead, and which one fits depends on how you are actually paid rather than on how much you earn.
Bank statement
Qualified on business deposits, not the net left on your return.
How it works →Profit and loss
Qualified on a prepared profit and loss statement, not your returns.
How it works →Asset depletion
Qualified on the liquid assets you hold, not a paycheck.
How it works →1099 income
Qualified on your 1099 gross, not the net left after write-offs.
How it works →Where we can help
These programs are for investment property in California. Isaiah Wilburn is a licensed loan officer, NMLS 1887173, and the loan is arranged through Gold Standard Mortgage, a California licensed real estate broker.