SPECIAL INCOME
DOCUMENTATION LOANS
Alternative Income Documentation
Traditional tax returns don't tell your whole story? Our alternative income documentation loans are designed for self-employed professionals, business owners, investors, and anyone with non-traditional income sources. Qualify based on your actual cash flow, not just W2s.
Income Documentation Options
From traditional full documentation to innovative bank statement programs, we have the right solution for your unique income situation.
FULL DOCUMENTATION
W2s & Tax Returns
BANK STATEMENT
Self-Employed Friendly
CPA P&L
Profit & Loss Statements
ASSET DEPLETION
Qualify Using Assets
STOCK AWARDS
RSUs & Equity Income
Overwhelmed by All These Loan Options?
Let our experts guide you to the perfect income documentation program for your unique situation
Alternative Income Questions
Understanding special income documentation loan programs
What alternative income loans are available?
We offer bank statement loans (12-24 months deposits), CPA profit & loss programs, asset depletion loans, stock award/grant income programs, and traditional full documentation loans. Each is designed for different income situations.
How do bank statement loans work?
Bank statement loans use your business or personal bank deposits over 12-24 months to calculate qualifying income instead of tax returns. Perfect for self-employed borrowers with strong cash flow but significant tax write-offs.
Can I qualify using my assets?
Yes! Asset depletion loans allow qualification based on liquid assets (savings, investments, retirement). We calculate monthly income based on total assets divided by loan term. Great for retirees or high-net-worth individuals.
What's needed for CPA P&L programs?
CPA P&L programs require a profit and loss statement prepared by your CPA, typically covering 12-24 months. This allows self-employed borrowers to show actual business income without waiting for tax returns.
Your Income is Unique. Your Loan Should Be Too.
Don't let traditional lending requirements hold you back. Our alternative income documentation programs are designed for successful professionals like you.