SPECIALTY LOAN SOLUTIONS
Flexible Mortgage Solutions Beyond Traditional Lending
Traditional income documentation doesn’t always tell the full story. Prime Choice Funding offers alternative and Non-QM mortgage solutions for self-employed borrowers, real estate investors, and those with unique income or financial situations.
Choose the path that best fits your needs.
Self-Employed Solutions
MORTGAGE OPTIONS BUILT AROUND HOW YOU EARN
Bank Statements • 1099 • P&L • Asset Utilization • Alternative Income • No-Tax-Return Options
Investor & DSCR Solutions
FINANCING BUILT AROUND THE INVESTMENT
DSCR • No-Ratio Options • Short-Term Rentals • LLCs • Low-DSCR • Interest-Only • Multifamily • Cash-Out
Bank Statement Loans
FLEXIBLE INCOME OPTIONS FOR SELF-EMPLOYED BORROWERS
12- or 24-Month Bank Statements • Personal or Business Statements • No Tax Returns for Income Qualification • Purchase • Refinance • Cash-Out
No Income Home Loans
FLEXIBLE HOME FINANCING WITHOUT TRADITIONAL INCOME DOCUMENTATION
No W-2s • No Tax Returns • No Employment History • No Traditional DTI • Primary Residence & Second Home Financing
Self-Employed Mortgage Options
Mortgage programs designed for business owners, freelancers, independent contractors, gig workers, and other borrowers whose income may not fit traditional W-2 documentation.
Bank Statement Loans
Use eligible personal or business bank deposits to help determine qualifying income.
1099 Loans
Certain programs may use eligible 1099 earnings for income qualification.
Profit & Loss (P&L) Loans
Qualifying income may be evaluated using an eligible business Profit & Loss statement.
Asset Utilization Loans
Turn your eligible assets into qualifying power. Use assets such as savings and investments to help qualify for a home loan without relying solely on traditional employment income.
No-Tax-Return Options
Certain programs may allow eligible borrowers to qualify without traditional personal tax returns for income documentation.
No Income Home Loans
Finance your primary residence without traditional income or employment verification. No W-2s or tax returns required for income qualification.
Real Estate Investor & DSCR Options
Investor-focused mortgage programs may place greater emphasis on rental income, property cash flow, equity, and the overall investment scenario rather than traditional personal-income documentation.
DSCR Loans
Qualify primarily using rental income from an eligible investment property.
DSCR Cash-Out Refinance
Access eligible equity from an investment property.
Short-Term Rental Loans
Options may be available for eligible Airbnb, VRBO, vacation, and other short-term rentals.
LLC DSCR Loans
Certain programs may permit eligible properties to be vested in an LLC or other approved business entity.
Low-DSCR & No-Ratio Programs
Alternative investor options may be available when a property does not meet traditional DSCR thresholds.
Interest-Only DSCR
Certain programs may offer an eligible interest-only payment structure.
Multifamily Options
Financing may be available for 2–4 units and certain larger multifamily properties.
Investor Financing Options
Different property types and investment strategies may fit different financing programs.
Other Non-QM & Specialty Mortgage Programs
More ways to structure financing when traditional mortgage guidelines may not fit.
ITIN
Loans
Mortgage options may be available for eligible borrowers using an Individual Taxpayer Identification Number.
Foreign National Loans
Certain programs may help eligible non-U.S. citizens purchase or finance U.S. real estate using alternative documentation.
Non-QM Jumbo Loans
Alternative-documentation options may be available for higher loan amounts.
Other Specialty Options
Depending on the borrower and property, additional specialty mortgage solutions may be available.
Not Sure Which Option Fits?
You do not need to know the exact loan program before getting started. Tell us about your income, property, or financing goals, and our team can help you explore available mortgage options.