Capitalizing Opportunity Through Alternative Underwriting

Sophisticated mortgage architecture for self-employed executives, entrepreneurs, and high-net-worth individuals. Qualify via balance sheet liquidity and non-traditional cash flow.

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Custom Capital Solutions

Asset Depletion & Liquidity Qualifying

Convert your liquid assets, investment portfolios, or retirement accounts into qualifying monthly income without liquidating holdings.

  • Ideal for retired executives, HNW individuals, and transitionary income buyers
  • Pledged asset structures and conservative factor formulas
  • High-balance options available up to $5M+

1099 & Profit/Loss Underwriting

For independent contractors, gig-economy entrepreneurs, and business owners whose tax filings reflect accounting optimizations rather than real spending capacity.

  • 12-to-24 month 1099 documentation options
  • CPA-prepared Profit & Loss statements accepted in lieu of tax returns
  • Flexible Debt-to-Income (DTI) calculations up to 50%

Interest-Only & 40-Year Structures

Enhance monthly cash-flow flexibility with initial interest-only payment windows or extended 40-year amortization periods.

  • 5, 10, and 30-year Interest-Only (I/O) terms
  • Lower initial monthly obligations for aggressive capital reinvestment
  • Seamless conversion options to standard principal and interest payments