Investment Property and Self-Employed Loans
Loans that fit how you actually earn.
Investors and business owners often don't fit a standard loan box. Your tax returns may not show your real income, or you may want to qualify for an investment property based on what it earns. As a broker, I have access to loan programs built for exactly these situations.
For real estate investors
Conventional investment property loans
for rentals and second homes
Loans based on rental income.
Qualify using the property's expected rent instead of your personal income.
Portfolio growth.
Options for investors who already own several properties
For self-employed borrowers
Bank statement loans.
Qualify using 12 to 24 months of bank deposits instead of tax returns.
Traditional options too.
If your tax returns support it, a conventional loan may give you the best pricing. I'll compare both.
Bridge loans
Buying your next home before your current one sells? A bridge loan lets you use the equity in your current home toward the new one, so you can make a stronger offer without waiting on a sale. It works for investors moving between properties and for homeowners moving up or down.
Common questions
Do I need tax returns if I'm self-employed?
Not always. A bank statement loan uses your business or personal deposits to show income.
Can I buy a rental property with rental income instead of my salary?
Yes. Some loans qualify you based on the property's expected rent compared with its payment.
Are rates higher on these loans?
Often somewhat, because they're more flexible. I'll show you the trade-off and compare them with traditional options so you can decide.