Get Your
Mortgage

Review My Deal
01
Self-Employed Loans

Qualify with
Bank Statements

Bank Statement Loans

Qualify using 12-24 months of personal or business bank deposits instead of tax returns. Designed for business owners who write off substantial income, reducing taxable earnings but maintaining strong cash flow. Personal, business, or combination of both acceptable.
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  • 12-24 Month Bank Statements
  • No Tax Returns Required
  • Business or Personal Accounts
  • Up to 90% LTV
  • Fixed or Interest-Only Terms

1099 & P&L Loans

Alternative income documentation for independent contractors and self-employed professionals using 1099 forms or CPA/EA-prepared profit & loss statements. Eliminates full tax return requirement while maintaining institutional underwriting standards.
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  • 1099-Only Qualification
  • CPA/EA-Prepared P&L Statements
  • 1-2 Years Documentation
  • No Full Tax Return Required
  • W-2 Employee Alternative

Asset Depletion Loans

Qualify based on eligible liquid assets rather than employment income. Asset depletion methodology converts retirement accounts, investment portfolios, and cash reserves into qualifying monthly income stream.
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  • No Employment Income Required
  • Asset-Based Qualification
  • Retirement Accounts Eligible
  • Investment Portfolios Eligible
  • Primary, Second, Investment Properties
02
Construction Financing

Build Your
Custom Home

Construction-to-Permanent Loans

Single-close structure consolidating construction financing and permanent mortgage into one transaction. General contractor approved and assigned through Mortgage Lending Desk underwriting process. Eliminates dual-close risk and rate exposure.
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  • One-Time Close Structure
  • Integrated Permanent Financing
  • Lender-Designated General Contractor
  • Draw-Based Milestone Funding
  • Rate Lock at Initial Closing

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Stand-alone construction financing for new builds, teardowns, and substantial renovations without mandatory permanent loan conversion. Approved general contractor required for draw administration and milestone verification. Exit through sale, refinance, or portfolio hold upon project completion.
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  • New Construction or Major Renovation
  • Teardown and Rebuild Projects
  • No Permanent Conversion Required
  • Licensed GC Mandatory
  • Flexible Exit Strategy

Owner-Builder Loans

Borrower retains project management authority with approved subcontractor selection for licensed trades. California-licensed engineer provides third-party inspection and draw verification throughout construction phase. Maximum flexibility within institutional lending framework.
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  • Borrower Project Control
  • Approved Subcontractor Selection
  • Engineer-Verified Milestones
  • Draw Release Upon Inspection
  • Primary and Investment Properties
03
Investment Properties (DSCR)

Expand Your
Real Estate Portfolio

Standard DSCR Loans

Qualification based on rental income using Debt Service Coverage Ratio methodology. No personal income verification, no tax returns, no employment documentation required. Property cash flow determines loan approval.

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  • No Personal Income Required
  • No Tax Returns or W-2s
  • Rental Income Qualification Only
  • DSCR as Low as 0.00
  • Up to 80% LTV

Foreign National DSCR Loans

Investment property financing for non-U.S. citizens without U.S. credit history or Social Security number. DSCR-based approval using rental income projections. LLC and entity closing structures available.
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  • No U.S. Credit Score Required
  • Non-U.S. Citizens Eligible
  • Rental Income Qualification
  • LLC Closing Available
  • Up to 75% LTV

Cross-Collateral DSCR Loans

Blanket loan structure covering 3-25 properties under single note and lien. Portfolio-level DSCR qualification consolidates multiple investment properties into one loan. Streamlined management for multi-property investors.
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  • 3-25 Properties Under One Loan
  • Portfolio DSCR Qualification
  • Single Monthly Payment
  • Up to 70% LTV
  • 1-4 Unit Residential Properties
04
Home Equity

Data platforms

HELOC (Home Equity Line of Credit)

Revolving credit line secured by home equity without refinancing existing first mortgage. Preserve low-rate first lien while accessing capital through second-position line of credit. Draw period flexibility with interest-only payment options.

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  • Preserve First Mortgage Rate
  • Revolving Credit Line
  • Up to 85% CLTV
  • 3 or 5-Year Draw Period
  • Interest-Only Payment Option

Closed-End Second Liens

Fixed-term second mortgage providing lump-sum equity access without disturbing first-lien position. Full documentation, bank statement, and DSCR qualification structures available. Primary, second home, and investment property eligible.
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  • Fixed 10, 20, or 30-Year Terms
  • Up to 90% CLTV
  • Lump-Sum Distribution
  • Multiple Documentation Options
  • Investment Properties Eligible

Purchase Second Liens

Simultaneous second-lien financing at purchase to reduce down payment or eliminate PMI. First mortgage held with another lender permitted. Entity closing and asset depletion qualification available on eligible scenarios.
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  • Reduce Down Payment Requirement
  • First Lien with Any Lender
  • Entity Closing Available
  • No PMI Alternative Structure
  • Up to 90% CLTV Combined

Master Your Mortgage

A mortgage is more than just a loan; it is the financial foundation for your future. At Mortgage Lending Desk, we specialize in the deals others find impossible to finish, turning difficult math and strict bank rules into a winning path. Whether you are an owner-builder, a self-employed professional, or a real estate investor, we provide the decisive advantage needed to close with confidence.

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