1 Loan, 2 Properties. Use equity to buy property. Purchase or refinance investment homes, land, multifamily, and mobile homes on land — all with fixed interest rate options and fast, flexible financing.
$0 Down Property Loans
Use Equity To Buy Property
1 Loan, 2 Properties
Up To 100% Financing
Land & Multifamily Loans
Mobile Homes On Land
Fixed Interest Rate Options
ITIN & Expired SSN Eligible
100% Financing Available
Flexible financing for investment homes, land, multifamily & mobile homes — no traditional credit needed.
(877) 885-0111Fill out the form below and a loan specialist will contact you within 1 hour during business hours.
From investment properties to land, multifamily, and mobile homes — we offer fast, flexible financing from $50K to $3M with fixed interest rate options. No traditional credit checks required.
Use 12 or 24 months of personal or business bank statements instead of tax returns. Perfect for self-employed borrowers with strong deposits.
Qualify using a CPA-prepared or self-prepared profit & loss statement. Ideal for business owners with strong revenue but high write-offs.
Use your liquid assets to qualify without traditional income. Great for retirees, high-net-worth individuals, or those with large savings.
And more options available — including DSCR, stated income, and no-ratio programs.
See Which Program Fits YouIf any of these describe you, our flexible property loan programs are your perfect fit.
Business owners, freelancers, 1099 contractors who write off expenses on taxes but have strong cash flow.
Significant assets but minimal reported income. Use bank statements or asset depletion to qualify.
Rideshare drivers, delivery partners, and gig platform earners with consistent deposits but no W2.
Portfolio investors who need flexible financing. DSCR and no-ratio programs also available.
Asset-rich but income-light. Asset depletion or bank statement programs let your savings do the work.
Non-U.S. citizens seeking U.S. property financing. ITIN and foreign national programs available where eligible.
Not sure which program fits? Let our experts guide you.
No tax returns. No W2s. No stress.
Fill out our quick form below. No documents needed upfront — just basic info to get started.
A non-QM specialist will call you within 1 hour (during business hours) to discuss your best program options.
Submit bank statements or P&L — no tax returns. Close in as little as 21 days with our streamlined process.
$50K–$3M loans. Purchase or refinance. Investment properties, land, multifamily, and mobile homes. $0 down options available. ITIN & expired SSN eligible. Our team will contact you within 1 hour during business hours.
Quick answers to common questions about non-QM mortgages.
Our non-QM specialists are ready to help you explore your options.
Non-QM (Non-Qualified Mortgage) loans are not qualified mortgages under the Ability-to-Repay rule. These programs use alternative documentation methods — including bank statements, profit & loss statements, and asset depletion — instead of traditional tax return and W2 verification.
Interest rates, APR, terms, and qualification requirements vary by program, loan amount, property type, loan-to-value ratio, credit profile, and documentation method used. Not all programs are available in all states. Loan approval is not guaranteed and is subject to underwriting review and final approval.
Equitable Lending is an equal housing lender. NMLS #1124483. Licensed by the Department of Financial Protection and Innovation under the California Financing Law #60DBO-81145, and by the California Department of Real Estate #01941713. For a full list of state licenses, visit our licensing page.
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