408-292-1771
katherine@rziloans.com
Apply Now
Secure Doc Upload
Realty Zone Investments Logo

Questions? Call Us at
408-292-1771

Alternative Doc Loans

We understand not every borrower fits into a conventional loan program.  

If you’re an established investor or an individual who can qualify based on assets or bank statements our programs may be able to help obtain the perfect loan. Here are a few options we offer:

12-24 Month Bank Statements

This program is designed for borrowers who are self-employed and would benefit from alternative loan qualification methods. Bank statements (personal and/or business) may be used as an alternative to tax returns to document income. 

Asset Qualification

This program is designed for borrowers who have significant verifiable assets and would benefit from alternative loan qualification methods. Asset statements alone (no debt to income ratio is required) may be used by high net worth individuals for qualification.

Investor Program

This program is designed for experienced real estate investors and qualifies individuals based on cash-flows solely from the subject property. Borrower must have a history of owning and managing commercial or residential investment real estate for a period of at least 6 months. You must be able to provide proof experience as an investor.