Non-traditional loans for real-world income

Bank Statement Loans

Your tax return shows what you owe the IRS, not what your business earns. Bank statement loans calculate qualifying income from 12 or 24 months of deposits, so legitimate write-offs don’t cost you the house.

• Personal or business bank statements
• Primary residence, second home or investment
• Typically 2+ years self-employed in the same line of work
• Lenders differ on expense factors; I find the one that counts the most of your income

P&L-Only Loans

Qualify with a profit and loss statement prepared or reviewed by a licensed CPA, EA or tax preparer. No tax returns, no bank statement analysis.

• 12- or 24-month P&L
• Faster documentation for busy owners
• Useful when deposits are mixed across several accounts
• Available through select non-QM lenders

DSCR Investor Loans

Debt Service Coverage Ratio loans qualify on the property’s rent compared with its payment. No personal income, employment or tax returns are needed, which makes them a fit for investors whose income is earned abroad.

• Single-family, 2–4 unit and short-term rentals
• Close in your name or an LLC
• Purchase, rate-and-term and cash-out refinance
• Some programs work for borrowers with foreign income or limited U.S. credit

1099 & Commission Income Loans

Qualify on 1099 earnings instead of tax-return income, with simplified documentation.

• 1 or 2 years of 1099s
• Multiple 1099 sources allowed
• Pairs well with W-2 income from a spouse

ITIN Mortgages

Families who pay taxes with an Individual Taxpayer Identification Number can still buy a home. Shehzad works with lenders that offer ITIN programs and explains every requirement clearly, in your language.

• Primary residence purchase and refinance
• Alternative credit may be considered
• Larger down payment than conventional, varies by lender
• ITIN letter and identification required

Foreign National Loans

Buy a second home or investment property in Houston without a U.S. credit history. Common for families in Pakistan, India, the Gulf and beyond who are investing in Texas real estate.

• Valid passport and visa or entry documentation
• International credit references may be accepted
• DSCR option for investment properties
• Higher down payment and reserve requirements

Asset Depletion Loans

Convert liquid assets (checking, savings, brokerage and some retirement accounts) into qualifying monthly income.

• No employment required
• Great for early retirees and business sellers
• Can be combined with other income

Recent Credit Event Loans

Some lenders allow shorter waiting periods after a major credit event than agency loans do. If you’re not ready yet, Shehzad will lay out a credit-readiness plan with clear milestones.

• Shorter seasoning than FHA/conventional in many cases
• Case-by-case review
• Credit-readiness guidance when you need a few months

First-Time Homebuyer Loans

FHA, conventional low-down-payment options and down payment assistance programs where available. Shehzad’s focus is making sure you understand your numbers before you make an offer.

• Low down payment options
• Down payment assistance where available
• Gift funds from family allowed on many programs
• Pre-approval that sellers take seriously

Conventional, FHA, VA & Jumbo

Not every file needs to be creative. Shehzad shops the same 160+ lenders for traditional loans to find competitive pricing and terms.

• Conventional and high-balance
• FHA and VA (eligible veterans and service members)
• Jumbo financing
• Rate-and-term and cash-out refinance