Find Your Program. No W-2 Required.

Yes. ITIN loans accept a tax ID number in place of an SSN. Alternative credit history (rent, utilities, foreign credit) is used in place of US credit. Typically 15-25% down.

Not for bank statement or P&L programs. These use 12-24 months of deposits or a CPA-prepared profit and loss statement. Many self-employed borrowers qualify for more using deposits than their taxable income suggests.

DSCR loans qualify investment properties on rental income — not your personal income. Tax returns are not required, making them ideal for self-employed investors, foreign nationals, and LLC borrowers.

Yes. Foreign national DSCR programs exist specifically for non-US residents. No US credit required. 25-35% down typical. We handle these daily.

Both let self-employed borrowers qualify without tax returns. Bank statement loans use 12–24 months of deposits to establish income and generally require at least 25% ownership of the business. P&L loans qualify off a CPA-prepared profit-and-loss statement covering the most recent 12 months, typically require 50%+ ownership and 2 years in the same business, and can reach $1M+ without bank statements at all. Which one wins depends on how your cash flows through your accounts — that's exactly what we assess on a quick call.