Home Loans for Investors & Self-Employed

Are you self-employed or an investor struggling to secure a mortgage? Traditional lending options often don’t cater to people with unconventional income streams. But that doesn’t mean homeownership—or expanding your real estate portfolio—is out of reach.

Understanding your mortgage options is the key to unlocking real estate opportunities. That’s why we’ve created a free guide to help you navigate the best financing solutions tailored for self-employed individuals and investors.

Most mortgage lenders rely on W-2s, tax returns, and steady paychecks to determine eligibility. But what if your income doesn’t fit that mold? If you’re a business owner, freelancer, or investor, your earnings might fluctuate or come from sources that traditional lenders don’t consider.

That’s where non-QM loans come in. These loans provide alternative qualification methods, allowing borrowers to prove their financial stability in ways that make sense for them.

Instead of requiring W-2s and tax returns, this mortgage allows you to qualify based on your bank statements from the last 12-24 months. If your income is strong but difficult to document traditionally, this is a perfect option.

These loans don’t require proof of personal income—instead, they’re based on the property’s cash flow. If the rental income covers the mortgage payments, you qualify. It’s a game-changer for investors looking to grow their portfolios without financial roadblocks.

Need access to cash for renovations or investments? A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity, giving you flexible funds when you need them.

Don’t have a Social Security Number? No problem. ITIN loans are available for borrowers who have an Individual Taxpayer Identification Number (ITIN) and want to purchase or refinance a home.

Buying a new home but waiting for your current one to sell? A bridge loan helps you "bridge the gap" with short-term financing, so you don’t miss out on your next home.

Many self-employed individuals and investors assume getting a mortgage is too complicated but with the right lender, it’s not!

One important thing to know: Your funds will need to be "sourced and seasoned." This means lenders need to see:

• Where your money is coming from (sourced)

• That it has been in your account for a certain period (seasoned)

Our team walks you through every step, making sure you understand the process so you can secure financing with confidence.

Homeownership and real estate investing shouldn’t be limited to those with a traditional 9-to-5. If you’re self-employed or an investor looking for flexible mortgage options, we’re here to help. Don’t let outdated lending rules stop you from getting the home or investment property you deserve.