Financing That Looks at the Full Picture
Traditional mortgage programs work well for many borrowers, but they may not reflect every financial situation. A Flex Loan may offer another path if one of these situations sounds familiar.
You’re Self-Employed
Your income may not fit traditional documentation methods. Alternative income documentation can present a more complete financial picture.
You Have Significant Assets
Your account balances or net worth may better represent your ability to qualify than traditional monthly income alone.
You’re a Real Estate Investor
Financing that considers an investment property’s cash flow instead of relying on traditional income verification.
You Want to Vest Through an LLC
Select programs may offer options for borrowers who want to hold an investment property through an LLC.
Special Property Financing
Multi-family, short-term rentals, and non-warrantable condominiums may require more flexible financing options.
You Use an ITIN
A full-documentation mortgage option may be available if you live in the United States without a Social Security number
Options for Self-Employed and High-Asset Borrowers
Alternative Income Documentation / Self-Employed
Traditional income documents don’t always show the full picture for self-employed borrowers. This program offers alternative income documentation methods — well-suited for individuals with high income, meaningful assets, or substantial net worth.
Asset Utilization
Income is only one part of your financial picture. Asset Utilization may allow you to use account balances or net worth as part of the qualification process, providing another path when traditional income methods don’t fit.
Additional Financing Options
DSCR Investor Cash Flow
A collateral-based, business-purpose loan for real estate investors. Traditional income verification is not required, instead, the program provides another way to finance an investment property based on the property’s cash flow.
DSCR Multi-Family 5–9 Units
Financing options for multi-family properties with five to nine units. This DSCR program gives borrowers added flexibility and can help support a smooth closing process.
DSCR Short-Term Rental
Flexible financing for real estate investors with short-term rental properties. This program provides a dedicated option for properties used as short-term rentals like vacation homes or platform-listed units.
Find a Path Forward
Traditional mortgage guidelines don’t work for every borrower. Our loan officers can help you explore flexible financing options and determine which programs may be a fit.
Frequently Asked Questions
What is a Non-QM loan?
A Non-QM loan does not follow standard agency loan guidelines. These programs can offer additional options for borrowers with unique financial or property circumstances.
Can self-employed borrowers use alternative income documentation?
Alternative Income Documentation programs provide another way to document income. They may help when traditional methods don’t reflect a self-employed borrower’s full financial picture.
Can I qualify using my assets?
Asset Utilization may allow eligible account balances or net worth to support the qualification process. A loan officer can help you explore whether this option applies to your situation.
Do Flex Loans require traditional income verification?
Requirements depend on the program. For example, the DSCR Investor Cash Flow program does not require traditional income verification.
Do you offer Flex Loans for real estate investors?
Yes. Intercap offers DSCR options for investor cash flow, multi-family properties with five to nine units, and short-term rentals.
Is there a mortgage option for ITIN borrowers?
Yes. Intercap offers a full-documentation mortgage option for individuals who live in the United States without a Social Security number.
Can a Flex Loan finance a non-warrantable condominium?
Intercap offers a financing option for condominium properties that do not meet standard agency requirements.
Can I vest a property through an LLC?
Select programs may offer LLC vesting options. Connect with an Intercap loan officer to discuss your property and financing goals.
*This is not a loan offer or commitment to lend. This Non-QM loan program does not follow standard agency loan guidelines. Program availability subject to change. Terms and conditions apply. Not all borrowers will qualify. Approval depends on property and other factors.
