For investors, the property's economics can carry the file — no tax returns or pay stubs required on qualifying programs.
Traditional underwriting asks for two years of tax returns, W-2s and pay stubs. For self-employed investors and portfolio builders, that paperwork often understates real capacity. On these programs, qualification centers on the investment property itself — typically its rental income relative to the proposed payment.
It's a natural fit for investors growing a portfolio, buyers using an LLC, and self-employed borrowers whose returns don't tell the whole story.
Grow a rental portfolio without handing over tax returns and pay stubs.
When your returns understate real capacity, the property's economics carry the file.
Close in the name of your LLC on qualifying programs.
Business-purpose (investor) loans only — not consumer mortgages. Availability is lender- and state-specific and subject to change; ask us about your state.
We arrange business-purpose (investor) loans — DSCR, hard money, bridge and commercial — in: Alaska, Alabama, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, Wyoming.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
On qualifying programs, no. The property's rent relative to its payment (the DSCR) drives approval, not your personal tax returns.
Yes, many investors do. We'll confirm which lenders allow entity vesting for your scenario.
Specialty investor lenders are often far more flexible than agency limits — useful once you've hit the conventional cap.
DSCR is the most common way these loans qualify. See our DSCR loan page for the details.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.