Fix and Flip Loans
Short-term financing for real estate investors purchasing and renovating properties for resale.
Explore Fix and Flip LoansWe understand real income and real opportunity. At SEI Mortgage, we help self employed borrowers and real estate investors qualify using cash flow, bank statements, and creative programs that traditional lenders overlook.
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Watch practical guidance for self-employed borrowers and real estate investors, including Bank Statement, DSCR and other Non-QM mortgage strategies.
At SEI Mortgage, our mission is to empower those often overlooked by traditional banks. From self employed professionals and gig workers to entrepreneurs and real estate investors, we provide mortgage programs that reflect your true financial picture. We believe hard work and smart business decisions should open doors, not close them, which is why we offer innovative options like bank statement loans, DSCR financing, and private money solutions when others cannot.
Short-term financing for real estate investors purchasing and renovating properties for resale.
Explore Fix and Flip LoansFlexible, asset-focused financing for time-sensitive purchases, refinances and unique property scenarios.
Explore Private Money LoansShort-term financing designed to help borrowers transition between properties or act quickly on an opportunity.
Explore Bridge LoansAlternative mortgage programs for borrowers whose income, assets or property needs do not fit conventional guidelines.
Explore Non-QM MortgagesMortgage options that can use eligible personal or business bank deposits to evaluate self-employed income.
Explore Bank Statement LoansA home-equity line of credit that may use alternative income documentation for eligible self-employed borrowers.
Explore Bank Statement HELOCsAccess available property equity with a separate fixed second mortgage while retaining an existing first loan.
Explore Closed-End Second MortgagesInvestor financing that primarily evaluates a rental property’s income in relation to its housing expenses.
Explore DSCR LoansAlternative-documentation mortgage options for eligible independent contractors, freelancers and 1099 earners.
Explore 1099 Income LoansMortgage programs that use eligible liquid assets to help establish qualifying income or repayment capacity.
Explore Asset Qualifier LoansMortgage options that may use an eligible profit and loss statement to evaluate self-employed business income.
Explore Profit and Loss LoansTraditional lenders often focus only on tax returns, which overlook the real cash flow of business owners. At SEI Mortgage, we understand the challenges self employed borrowers face and provide solutions that recognize your actual earnings. From bank statement programs to cash flow qualification, our mortgage options are built to match your financial reality and open the door to homeownership.
We use your real cash flow, not just your taxable income, to help you qualify. At SEI Mortgage, your business achievements become the foundation for flexible mortgage solutions.
While write offs reduce taxes, they often make it harder to qualify with traditional lenders. Our Self Employed Mortgage Programs look beyond tax returns to reflect your actual earnings.
As a business owner, you work hard to grow income and assets. We provide mortgage solutions that acknowledge your true financial picture, going beyond the limits of traditional tax return lending.
Your write offs lower your taxes but should not reduce your home buying power. With SEI Mortgage, you can qualify based on real cash flow and flexible lending options.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
If you are self employed or you buy rentals, you already know the punchline. Your income is real. Your paperwork often looks weaker than your
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Ready to take the next step? Whether you’re buying your first home, refinancing, or exploring loan options, the Wise Home Lending Team is here to help. Contact us today and let our experts guide you through a seamless Home Loan and Mortgage process. Your journey to the perfect home starts here!
Whether you’re self employed, investing in property, or looking for flexible financing options, our FAQ section covers the most common questions we hear from clients. Explore practical answers about Bank Statement Loans, DSCR Loans, Asset-Based Lending, and more, so you can move forward with confidence.
Yes. A bridge loan lets you close or pull equity before the long term DSCR or cash out is ready. Vacant rentals, delayed financing, and rehabs sit on a bridge first. When rent covers the payment we take you out with DSCR. When it does not, no ratio DSCR starts at 0.74 coverage and under. Ryan Marks, NMLS 519138. SEI Mortgage | Everyday Lending Group. Licensed every US state except New York.
Yes. Cash out DSCR uses the rental property income, not your personal tax returns. You can pull equity from a rental you already own. If the rent does not cover the new payment, a bridge or no ratio DSCR structure may still fit. Ryan Marks, NMLS 519138. Everyday Lending Group.
True no ratio DSCR starts at 0.74 coverage and under, including vacant properties. Standard DSCR often funds around 0.75. No ratio usually means extra down payment, reserves, and a higher rate. Prepay can buy the rate down. Ryan Marks, NMLS 519138.
Often yes. Bank statement loans review personal or business deposits. 1099, P and L, DSCR, bridge, and asset qualifier programs can also skip traditional tax return underwriting. Ryan Marks, NMLS 519138. Licensed every US state except New York.
Ryan Marks, NMLS 519138, is licensed in every US state except New York. We do not take New York applications.
A Non-Qualified Mortgage is a loan that does not fit traditional agency lending standards but still uses responsible underwriting. Examples include DSCR, bank statement and asset-based loans designed for borrowers with non-traditional income, credit or investment circumstances.
Options may include bank statement loans, profit and loss programs, 1099 income loans and other Non-QM mortgages. Depending on the program, lenders can review bank deposits, business financials, contracts or assets instead of relying only on tax returns.
Bank statement loans allow eligible self-employed borrowers to qualify using deposits shown on personal or business bank statements instead of traditional tax-return income. Lenders commonly review 12 to 24 months of statements to calculate average qualifying income.
Debt Service Coverage Ratio loans are designed for real estate investors. Qualification focuses primarily on the rental income generated by the property compared with its housing expenses, rather than the borrower’s personal employment income.
Investment-property options can include DSCR loans, asset-based lending, private money, bridge financing and cash-out refinancing. The appropriate program depends on the property, rental income, investment strategy, available assets and requested loan structure.
Asset-based mortgage programs use eligible liquid assets—such as savings, investment accounts or retirement funds—to help establish qualifying income or the ability to repay. They can be useful for retirees, high-net-worth borrowers and people with substantial assets but non-traditional income.
No. Strong credit can improve available terms, but many self-employed mortgage programs consider the complete financial profile, including cash flow, assets, property details, reserves and overall credit history.
Documentation depends on the selected program and may include bank statements, a profit and loss statement, 1099 forms, asset statements or other evidence of business income. The specific requirements should be confirmed before applying.
Yes. Eligible self-employed borrowers may use alternative documentation for rate-and-term or cash-out refinancing. Available options depend on the property, equity, credit profile, documentation and current program guidelines.
Some foreign-national and ITIN mortgage programs allow eligible non-U.S. citizens to finance U.S. property without a traditional U.S. credit or employment profile. Passport, visa, ITIN, international income, assets and property documentation requirements vary by program.