Low Doc Loans

• Requires no verification of income or assets—relies heavily on credit score and property value.
• Typically higher interest rates due to increased lender risk.
• Mostly used by self-employed or non-traditional borrowers

Ideal for real estate investors, DSCR loans focus on a property's rental income rather than personal income

• No personal income verification required
• Qualification based on rental income on property being financed
• Borrower debt not a factor for approval

Designed for self-employed borrowers who deposit earnings into personal or business accounts.

• 12 to 24 months of personal or business bank statements used for income verification
• No tax returns or W-2s required
• Loan approval based on cash flow rather than reported taxable income.

• Shows income and expenses over a period—used to verify income in lieu of tax returns.
• Must usually be prepared by a licensed tax professional or CPA.
• Common in bank statement or self-employed loan programs to assess borrower’s cash flow.

• Can be used to show financial stability or as reserves in asset-based lending.
• Lenders may “discount” the value of stocks due to market volatility.
• Useful in scenarios like asset depletion loans or high-net-worth borrowing.

A solution for employees who lack traditional pay stubs but have a steady income.

• Qualification based on employer-verified income in writing
• No tax returns or W-2s required
• Useful for commission-based workers, bonuses or contract employees