Flexible financing solutions for borrowers with non-traditional income, recent credit events, or unique circumstances.
Accept 1099 income, business ownership, and freelance work without traditional W2 requirements.
Bank statements, profit/loss statements, and alternative income verification accepted.
Credit scores as low as 580+ welcomed; recent credit events evaluated on case-by-case basis.
Short-term rental forbearance, mortgage deferment, or recent bankruptcy may still qualify.
Debt-to-income ratios up to 50% available, providing flexibility for diverse income structures.
Streamlined underwriting process with closings in 21-30 days or faster.
580+ minimum; 620+ preferred for better rates. Recent events evaluated individually.
Bank statements (12-24 months), P&L statements, 1099s, K-1s, or profit/loss documentation accepted.
5-25% down payment required; higher down payments improve approval odds and rate offers.
Up to 50% DTI allowed; calculated based on available income documentation and credit profile.
Primary residence, second home, or investment property (rental income may be included).
Liquid assets (savings, investments) and 1-2 months mortgage reserves typically required.
Start your application now and discover flexible financing options tailored to your unique situation.
