Loan Programs

Alternative Income Qualification Loans (No Tax Returns Required)

Innovative financing solutions for self-employed and non-traditional income earners who don't qualify through traditional documentation.

Alternative Income Qualification: Financing for Modern Professionals

Traditional mortgage qualification doesn't work for everyone. If you're self-employed, own a business, or earn income through non-traditional means, our alternative income qualification programs provide the flexibility you need.

Bank Statement Loans

Perfect for business owners and self-employed professionals, bank statement loans use your actual cash flow to qualify—not tax returns that may show reduced income due to legitimate business deductions.

How It Works:

  • Qualify using 12–24 months of personal or business bank statements

  • Income calculated from deposits, not tax returns

  • Ideal for business owners who write off expenses

P&L and 1099 Only Loans

For professionals with CPA-prepared financial statements, our P&L and 1099 programs offer streamlined qualification without the need for full tax return submission.

DSCR Investment Loans

Real estate investors can qualify based solely on the property's rental income potential—no personal income verification required. The Debt Service Coverage Ratio (DSCR) method evaluates whether the property's rental income can cover the mortgage payment.

Perfect For:

  • Real estate investors

  • Portfolio builders

  • High-income professionals with complex tax situations

WVOE (Written Verification of Employment)

Employed professionals can sometimes qualify with just a verification letter from their employer, offering a faster path to approval.

Program Highlights:

  • Minimum Down Payment: 10%

  • Property Types: All residential types

Who Benefits Most?

  • Self-employed professionals

  • Business owners with significant write-offs

  • Real estate investors

  • 1099 contractors and freelancers

  • High-income earners with complex tax returns

Don't let traditional qualification standards hold you back. Contact us to discover how alternative income qualification can unlock your home financing potential.

Let's Discuss Your Loan Options

We can provide a loan catered to your needs. Talk to one of our Mortgage Experts today.

Kyber Mortgage Corporation dba Renown Mortgage NMLS ID 2653540. See www.nmlsconsumeraccess.org. Principal address 9050 N. Capital of Texas Hwy, Ste 390, Austin, Texas 78759. This is not an offer for extension of credit or commitment to lend. All loans must satisfy underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. Equal Housing Lender. Corp. Phone: 877-876-3956.