Rentals, flips, construction, and income property.
The property qualifies, not your paycheck. We compare the market rent to the full monthly payment and never ask for tax returns or pay stubs.
The rent qualifies the loan
Buy a 1 to 4 unit rental with no personal income documents. We divide the market rent by the full monthly payment; a ratio of 1.0 or higher is the standard target. Close in your own name or an LLC.
Pull equity out of a rental you already own
Refinance a rental to lower the payment or take cash for the next down payment. Same rule: the rent covers the new payment, and no tax returns are needed.
Airbnb and VRBO income counts
Qualify a vacation rental with 12 months of platform history or a short-term rent projection for the area. Furnished properties and seasonal markets welcome.
Several doors, one loan, one payment
Finance or refinance multiple rentals in a single closing. The portfolio's combined rent covers the combined payment, which simplifies bookkeeping and frees up equity across properties.
When the rent doesn't fully cover the payment yet
Some programs accept a ratio between 0.75 and 1.0, or no ratio at all, in exchange for a larger down payment and reserves. Useful in appreciating markets where rents lag prices.
Official guidelines: CFPB: Ability-to-repay rule and business-purpose loans (Reg Z §1026.43)
Capital for buying, renovating, building, and holding income property, from a single flip to a hotel.
Purchase plus renovation for sale or rent
Short-term funding for the acquisition and the rehab budget, released in draws as work completes. Built for investors and construction-focused owners who need both in one loan.
Finance the lot and the build
For investors and builders putting up new residential units. Funds cover land, hard costs, and soft costs in stages, with an exit to sale or a long-term rental loan.
Buy now, sell or refinance later
Short-term capital to close quickly on a property before selling another or before a long-term loan is ready. Interest-only payments and a defined exit.
Hotels, multifamily, mixed-use, retail
For larger investors buying commercial income property such as hotels, apartment buildings of 5 or more units, and mixed-use assets. The property's net operating income drives the approval.
Official guidelines: Freddie Mac Multifamily
FHA, VA, USDA, conventional and HomeReady, jumbo, Non-QM bank statement and ITIN loans, DSCR investor loans, refinances and HELOCs, fix-and-flip and commercial real estate, plus SBA and business financing. Every program is explained in English and Spanish with a direct WhatsApp line to ask about your case.
AM Lending Inc, NMLS 2611057, is licensed in Washington DC, Maryland, Virginia, Florida, and Texas. The office is at 1604 Spring Hill Rd, Suite 160, Vienna, VA 22182, in the Tysons area, and consultations are available by phone, WhatsApp, or in person.
Yes. ITIN mortgages, bank statement, P&L-only, 1099, and DSCR programs qualify borrowers without a Social Security number or without traditional tax-return income. Minimum scores start at 620 and down payments typically range from 10% to 25% depending on the program.
No. Scores, down payments, and terms shown are typical program guidelines that vary by lender, property, and borrower. This is not a commitment to lend, and all loans are subject to credit and underwriting approval. Message us for an answer specific to your scenario.
Send us your scenario: income, credit, and savings. We'll tell you in plain language which programs apply, in English or Spanish.
Figures shown are typical program guidelines and vary by lender, property, and your profile. This is not a commitment to lend. All loans are subject to credit and underwriting approval. Programs, rates, and requirements are subject to change without notice.
Equal Housing Lender. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.
We serve you in English and Spanish. Licensed in DC, Maryland, Virginia, Florida, and Texas.