Coming soon to California
Mortgages for business owners, self-employed borrowers, and people with special circumstances.
ITIN, bank statement, P&L, DSCR. Non-QM programs exist — most banks don't tell you about them. We will.
What are Non-QM loans?
A Qualified Mortgage (QM) follows strict federal rules — it demands tax returns, a Social Security number, and traditional employment. If you own a business, pay taxes with an ITIN, earn 1099 income, or your tax returns don't reflect your true income, big banks say "no."
Non-QM loans are the answer. They use alternative documentation — bank statements, P&L, rental income — to qualify you. Legal, legitimate, and made for you.
Programs we plan to offer
ITIN Loans
For taxpayers using ITIN instead of SSN.
Bank Statement
12–24 months of statements instead of tax returns.
P&L Only
For business owners whose P&L reflects income better.
DSCR (Investors)
Rental income qualifies — not your paycheck.
Foreign National
For buyers without US residency.
1099
For independent contractors and freelancers.
Foreign investors
Diversify your wealth with U.S. real estate.
You can buy and rent U.S. property even if you are not a resident. Public title registries backed by title insurance, constitutional property-rights protection, rent in dollars, and the option to hold through a U.S. LLC — an increasingly common way for business families abroad to hedge part of their wealth.
Read the investor guide →Why the U.S.
- Public title records + title insurance
- Fifth-Amendment property protection
- No federal restriction on foreign ownership
- Dollar-denominated rent cash flow
- Independent judiciary and due process