Do I need tax returns to qualify?

Not necessarily. Bank statement and DSCR programs are specifically designed to qualify borrowers without relying on tax returns.

Can I use a DSCR loan for a property I haven't purchased yet?

Yes. DSCR loans are commonly used for both purchasing new investment properties and refinancing ones you already own.

Is there a minimum credit score for these programs?

Requirements vary by program, but most self-employed and investor loans typically look for a credit score around 620-660 or higher depending on the full financial picture.

How long does it take to close?

Most self-employed and investor loans close in 3-5 weeks, depending on documentation type and property specifics.

Self-Employed & Investor Loans in Henderson, NV

What Are Self-Employed & Investor Loans?

These are specialty mortgage programs — often called Non-QM (non-qualified mortgage) loans — designed for borrowers who don't fit standard income documentation requirements. Instead of relying solely on tax returns and W-2s, these programs use alternative ways to verify income and cash flow.

Because they're built around real-world financial situations rather than a rigid checklist, these loans open the door to homeownership and investment property financing for business owners and investors who would otherwise be overlooked by conventional guidelines.

🎯Who These Loans Are Best For

Self-employed and investor loans are ideal for Henderson and Las Vegas business owners, freelancers, and real estate investors whose income doesn't fit a traditional W-2 mold.

You may benefit most if:

You are self-employed or a business owner with strong bank statement history
You are a real estate investor purchasing based on a property's rental income potential
Your tax returns don't reflect your true cash flow due to write-offs and deductions
You want to grow a rental property portfolio without personal income limitations
You need flexible documentation due to a non-traditional income structure

💬Tip: Not sure which program fits your situation? We can review your bank statements or target property together and point you toward the option that makes the most sense.

Loan Options We Offer

We tailor every loan to your needs, including:

Bank Statement Loans
Qualify using 12-24 months of personal or business bank statements instead of tax returns. Best for self-employed borrowers and business owners whose tax returns don't reflect their actual income.

DSCR Loans (Debt Service Coverage Ratio)
Qualify based on a property's rental income rather than your personal income. Built for real estate investors purchasing or refinancing investment properties.

No/Low Doc Programs
Streamlined documentation options for qualified borrowers who want a faster, simpler path to closing.

ITIN Loans
Financing options for borrowers who don't have a Social Security number but have an Individual Taxpayer Identification Number.

How Qualification Works for These Programs

Unlike conventional loans that rely heavily on tax returns and W-2s, these programs use alternative documentation tailored to your situation — bank statements, rental income projections, or asset-based qualification. This means your write-offs and deductions won't necessarily work against you the way they can with traditional underwriting.

Every borrower's situation is different, so we'll walk you through exactly which documentation path fits your income, property, and goals.

🔎Frequently Asked Questions

Do I need tax returns to qualify?
- Not necessarily. Bank statement and DSCR programs are specifically designed to qualify borrowers without relying on tax returns.
Can I use a DSCR loan for a property I haven't purchased yet?
- Yes. DSCR loans are commonly used for both purchasing new investment properties and refinancing ones you already own.
Is there a minimum credit score for these programs?
- Requirements vary by program, but most self-employed and investor loans typically look for a credit score around 620-660 or higher depending on the full financial picture.
How long does it take to close?
- Most self-employed and investor loans close in 3-5 weeks, depending on documentation type and property specifics.

Self-Employed & Investor Loans

Financing built for how you actually earn