The programs the big banks will not touch. For business owners whose tax returns understate what they earn, investors qualifying on the property rather than themselves, and deals where the timeline is the binding constraint.
Every deduction that lowers your tax bill also lowers the income a conventional underwriter can count. That is the trap: the better your accountant, the worse you look on paper. Bank statement programs qualify on deposits instead, which is a truer picture of what you actually earn.
Debt service coverage ratio lending looks at whether the rent covers the payment. Your personal income is not the deciding factor. For investors building a portfolio, this is what makes the fourth and fifth property possible when conventional guidelines have run out.
Short-term, asset-based capital priced for speed. It is the right instrument when the timeline is the constraint — a bridge, an auction, a rehab with an exit. It is the wrong instrument when you simply want a lower payment, and we will tell you which situation you are in.