​Designed for self-employed borrowers who don’t have traditional W-2s or tax returns. Lenders qualify income based on 12–24 months of personal or business bank statements.

Tailored for real estate investors. Approval is based on the rental income of the property covering the mortgage payment—no personal income verification needed.

Borrowers pay only the interest for an initial period, lowering early payments. Useful for investors or those with fluctuating income who plan to refinance or sell before the interest-only period ends.

For borrowers with recent bankruptcies, foreclosures, or short sales. These loans have more lenient waiting periods than conventional options.

Made for non-U.S. citizens investing in U.S. real estate, typically without U.S. credit or income documentation.