Flexible mortgage options for business owners, self-employed borrowers, and real estate investors.
At Pacific East Realty & Mortgage Corporation, we understand that income can come from a business, investments, rental properties, or multiple sources. We help borrowers explore non-QM and alternative-documentation mortgage programs when traditional income documentation does not fully reflect their financial situation.
Explore the five programs ↓Own a business? Have substantial assets? Buying a rental property? Start with a conversation about your options.
For self-employed borrowers with documented business cash flow.
Eligible personal or business bank statements may be used to evaluate qualifying income. Lenders review deposits, applicable business expenses, and other program requirements.
For business owners seeking an alternative way to document business income.
Eligible borrowers may qualify through a lender-approved P&L documentation program. Requirements for the statement’s preparer, business history, verification, and supporting records vary.
For eligible employed borrowers.
Certain programs may use written employer verification as part of the income review. Additional documentation and independent verification may be required.
For borrowers with substantial eligible assets.
Certain programs calculate qualifying income from verified assets using the lender’s formula. Eligibility depends on asset type, accessibility, required reserves, and other underwriting requirements.
For investors purchasing or refinancing eligible rental properties.
Debt Service Coverage Ratio programs focus on the property’s qualifying rental income compared with its required debt service. Credit, assets, property eligibility, and other requirements still apply.
These DSCR programs are for eligible business-purpose investment properties, rather than a borrower’s primary residence.
We review your employment or business, available documentation, assets, and property goals.
We explain potential qualification paths, documentation requirements, and financing tradeoffs.
Look beyond the interest rate to review points, lender fees, monthly payments, reserves, and any applicable prepayment penalty.
Our real estate and mortgage experience helps you consider both sides of the transaction.
You do not need to select a program before contacting us. Tell us:
We will help identify which options merit a closer review.
Please submit financial documents through our designated secure application process. The application opens on a separate website.