Our Services
Mortgage options designed to fit your unique real estate goals
Exceptional Real Estate Services
At Atlas Real Estate Network, we pride ourselves on offering unparalleled non-QM loan services tailored to meet the unique needs of real estate investors and home buyers. As a trusted real estate mortgage broker, our mission is to provide innovative and flexible loan solutions.
Comprehensive Mortgage Solutions
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Commercial Real Estate Loans
We specialize in offering commercial real estate loans tailored to your business needs.
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Non-QM Loan Services
Our non-QM loan services are perfect for those who do not fit into the traditional mortgage criteria.
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Home Buyer Mortgage Services
Our mortgage brokerage services are designed to provide you with the best rates and terms.
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Investment Property Loans
We offer investment property loans to help you expand your real estate portfolio.
AREN Realty Loan Programs Beyond the Traditional
AREN Realty specializes in flexible lending solutions to meet unique
borrower needs—whether you’re self-employed, an investor, or a foreign national.
We are your go to shop for all investment and commercial loans.
ITIN Alt-Doc
Mortgage solutions for borrowers without a Social Security Number. Using an Individual Taxpayer Identification Number (ITIN), we can qualify non-U.S. citizens with flexible documentation.
DSCR 1–4 Unit
For 1–4 unit investment properties, qualify based on the property’s income—not your personal income.
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DSCR as low as 0.75
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No-ratio options available
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Down Payment options as low as 15%
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Streamlined investor financing
DSCR 5–8 Unit
Expand your portfolio with financing for 5–8 unit investment properties using property cash flow.
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DSCR
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Grow equity while boosting rental cash flow
ITIN DSCR
Combine the power of ITIN lending + DSCR qualification for non-U.S. citizen investors.
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1–4 unit properties
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DSCR as low as 0.80
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Build wealth through U.S. real estate investing
Foreign National DSCR
Designed for international buyers who want to invest in U.S. real estate.
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All DSCR scores accepted (even no ratio)
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No U.S. work or residency required
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Unlock American real estate opportunities
Standard DSCR Program
Investor-focused loans based on rental income, not personal income.
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Min. FICO 620
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Up to 85% CLTV
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Cash-out up to 80% LTV
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Fast approvals with minimal documentation
Why it works: No tax returns, no job history required—just the property’s performance.
12/24 Month Bank Statement Loans
Perfect for self-employed borrowers whose tax returns don’t reflect true earnings.
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No tax returns required
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Use personal or business bank statements
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Up to 90% CLTV
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Loan amounts to $4M
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Flexible reserve requirements
Why it works: Income calculated from actual deposits, not write-offs.
1–2 Year P&L Loans
A great option for entrepreneurs and small business owners.
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Qualify with CPA-prepared Profit & Loss statements
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Loan amounts to $2.5M
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DTI up to 55%
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Available with as little as 1 year in business
Why it works: Simplifies the process by leveraging business performance instead of complicated tax filings.
Other Specialty Programs We Offer:
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Jumbo Loans – For high-value properties
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Commercial Lending – Tailored solutions for multi-family, mixed use properties, free standing commercial buildings, office base, retail and more.
Simplify Your Mortgage Process
Experience personalized mortgage solutions tailored to your unique needs—whether you're buying your first home or expanding your investment portfolio.