Loan programs built for how you actually earn
Your tax strategy shouldn’t cost you the house. These programs let self-employed borrowers qualify with bank statements, 1099s, a profit-and-loss statement, or assets — no tax returns required when you document income another way. One application, priced and matched across 25+ non-QM investors.
Bank Statement Loans
Qualify on 12 or 24 months of deposits instead of tax returns — for business owners whose write-offs shrink their taxable income.
- 12 or 24 months of deposits — no tax returns
- FICO 640+, up to 90% LTV
- Primary, second home, or investment
- Cash-out and LLC vesting available
1099 Income Loans
Qualify directly off your 1099s — for independent contractors and gig earners who are paid as non-employees.
- 1 to 2 years of 1099s — no tax returns
- FICO 660+, up to 90% LTV
- Up to $3M with tiered LTV
- Built for contractors and gig earners
P&L-Only Loans
Qualify on a CPA-prepared profit-and-loss statement — for established business owners with clean books.
- 12-month CPA-prepared P&L — no tax returns
- FICO 660+, up to 90% LTV
- Least paperwork for owners with an accountant
- U.S. citizens and permanent residents
WVOE Loans
Qualify with a single employer questionnaire — no W-2s, paystubs, or tax returns.
- Single employer WVOE form — no paystubs or W-2s
- FICO 660+, up to 90% LTV
- Great for tipped or variable-pay earners
- Arm’s-length employer required
Asset-Based Loans
Qualify on your assets, not your income — no employment required.
- Assets ÷ 60 months — no employment needed
- FICO 660+, up to 80% LTV
- Uses savings, brokerage, 401(k), IRA
- Primary residence only
Flexible Qualifying
A reduced-documentation path for borrowers who don’t fit traditional or standard alternative programs — with ability-to-repay still fully assessed.
- Reduced documentation — ability-to-repay still assessed
- FICO 680+ with LTV tied to credit
- Primary and second homes
- For borrowers outside the standard programs
ITIN Loans
Home financing for ITIN tax filers without a Social Security number.
- For ITIN filers without an SSN
- Up to 85% LTV to $2M
- Primary, second home, or investment
- Alternative tradelines considered
Foreign National Loans
U.S. property financing for international buyers with no U.S. credit, green card, or SSN.
- No U.S. credit, green card, or SSN required
- Up to 80% LTV (to $1M), down to 65% (to $10M)
- Second home and investment properties
- LLC or corporate title permitted
Specialty property and investor options
Because we broker across a deep non-QM investor set, we can also place property types most lenders decline outright — and point investors toward the right cash-flow-based option.
Non-warrantable condos
Financing for condos that don’t meet conventional warrantability rules — high investor concentration, ongoing litigation, or mixed-use projects — from roughly $250K to $2M.
Condotels
Condo-hotel units, which most lenders decline outright, financed up to 70% loan-to-value to $4M.
DSCR investor loans
Investment-property loans that qualify on the property’s rental cash flow rather than your personal income — available through our team on request.
Not sure which program fits?
Answer a few questions and we’ll point you to the documentation path that matches how you earn — then the Cook Brothers structure the file across our investor set.
Non-QM loan programs. Alternative income documentation required. All loans subject to underwriting approval, income/asset verification, and ability-to-repay determination. Not all applicants will qualify. Program availability and guidelines subject to change without notice.