Loan programs for real life — not just cookie-cutter borrowers.

Not every borrower fits neatly into an FHA or conventional box. Self-employed business owners, real estate investors, buyers with unique credit profiles, and international clients all need programs designed for the way they actually earn and invest. That's where specialty lending shines.

Common specialty programs we offer

• DSCR (Debt Service Coverage Ratio): Qualify investment property loans based on the property's rental income — not your personal DTI.
• Bank Statement Loans: Use 12–24 months of business or personal bank statements to qualify instead of tax returns.
• Self-Employed Programs: Structures designed to recognize real business income for owners and 1099 contractors.
• Lower FICO Options: Programs that go below traditional credit-score minimums when compensating factors are strong.
• Foreign National: Financing for non-U.S. citizens purchasing property in Florida.
• Hard Money & Bridge: Short-term asset-based lending for fix-and-flip and transitional needs.