All income stories welcome to access flexible qualification solutions
Qualify More of Your Borrowers Without W2s Required
Help your homebuyers and investors win big with fast, flexible Alt-Doc loan solutions. Alternative Documentation (Alt-Doc) programs are built for borrowers who don’t fit the traditional mold—no W2s or tax returns required. Instead, income is verified through bank statements, P&L-only, 1099-only, WVOE-only, asset utilization, and more. Whether it's self-employed borrowers or seasoned investors, Alt-Doc loans make it easier to qualify—and faster to fund.
Help your homebuyers and investors win big with fast, flexible Alt-Doc loan solutions. Alternative Documentation (Alt-Doc) programs are built for borrowers who don’t fit the traditional mold—no W2s or tax returns required. Instead, income is verified through bank statements, P&L-only, 1099-only, WVOE-only, asset utilization, and more. Whether it's self-employed borrowers or seasoned investors, Alt-Doc loans make it easier to qualify—and faster to fund.
Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization
Up to 55% DTI with $3,000 residual income
Alt-Doc Accelerator for Investors
Max loan amounts $3M
Up to 85% LTV
FICOs as low as 640
Allowable income types include: 12-months personal or business bank statements, P&L only, 1099 only, and asset utilization
Up to 55% DTI with $3,000 residual income
*See full guidelines for eligibility.
Working with ITIN borrowers? We have Alt-Doc solutions for borrowers available. Learn more! Ready to level up your Alt-Doc pipeline? Learn how to answer “What is an Alt-Doc loan?” for your borrowers.
Program Highlights
Owner-Occupied & Second Homes
Alt-Doc Activator
Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 640
Up to 55% DTI with $3,000 residual income
Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization
Alt-Doc Activator Prime
Loan amounts up to $2M
Up to 80% LTV
FICOs as low as 680
Properties up to 10 acres
Premium pricing for qualified Alt-Doc borrowers using 12 or 24-month personal or business bank statements
Investment Properties
Alt-Doc Accelerator
Max loan amounts $3M
Up to 85% LTV
FICOs as low as 640
Up to 55% DTI with $3,000 residual income
Allowable income types include: 12-months personal or business bank statements, P&L only, 1099 only, and asset utilization
*See full guidelines for eligibility.
Working with ITIN borrowers? We have Alt-Doc solutions for borrowers available. Learn more! Ready to level up your Alt-Doc pipeline? Learn how to answer “What is an Alt-Doc loan?” for your borrowers.
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