About Us

Yes. ITIN and foreign national loans allow non-U.S. citizens or residents to obtain financing without using a Social Security number.

A single pre-approval is only one credit pull and has minimal impact. In most cases, we use a soft credit pull, which avoids a hard inquiry.

Requirements vary by program, but common documents include pay stubs, W-2s or tax returns (personal or business), bank statements, and a valid ID.

Yes. We offer programs using bank statements, profit and loss (P&L;) statements, or other alternative documentation to verify income.

Absolutely. We have investor programs with as little as 15% down.

DSCR stands for Debt Service Coverage Ratio. It measures whether a property’s rental income covers the mortgage payment. Positive cash flow is preferred, but we also have options for properties with negative cash flow.

Designed for self-employed borrowers who may not show enough income on tax returns. We average business deposits over 12–24 months and use that income to qualify.

This program is for self-employed borrowers who may not show sufficient income on tax returns and do not have strong deposits in their bank accounts. Instead, an accountant provides a detailed Profit and Loss (P&L;) statement to show the true income of the business.

A short-term, asset-based loan secured by real estate. Hard money loans close quickly and are popular with real estate investors, especially for fix-and-flip projects.