DSCR Loan: A DSCR mortgage (Debt Service Coverage Ratio) is a loan for real estate investors where approval is based on the property’s rental income rather than your personal W-2 income or tax returns.

Asset Dissipation Loan: An asset dissipation mortgage (also known as an asset depletion mortgage or asset-based mortgage) is a specialized home loan that lets you qualify using your liquid assets instead of traditional employment income like pay stubs, W-2s, or tax returns

Bank Statemen Loan: A bank statement loan is a type of mortgage that allows borrowers to verify their income using personal or business bank statements instead of traditional W2s, pay stubs, or tax returns. Purchase or refinance loans are eligible. Deposits are considered for income. No tax returns are required.

2nd Mortgage Loan: A second mortgage is an additional loan taken out on a property that already has an existing primary mortgage, using your home equity as collateral. Equity is the difference between your home’s current market value and your remaining first mortgage balance

Investment Property Loans: Loans on rental property that are not occupied by the owner. Residential Properties of 1-4 units, Single Family Residences, Condo’s, and Townhouses that are not owner occupied.

Cash-Out Refinance: A cash-out refinance replaces your current mortgage with a larger new loan, allowing you to turn your home equity or investment property equity into a lump sum of cash at closing

Less Than Perfect Credit: Loans for those that have experienced an “event” like a personal or business bankruptcy. Late payments on mortgages, auto loans, credit cards, judgments, etc.