Who this page is for
Specialty lending is usually for borrowers whose income, property plan, or timeline does not fit a standard agency box. If a standard FHA, conventional, VA, or USDA path fits better, I will tell you that first.
DSCR for investor cash flow
I help Florida investors qualify based on property cash flow instead of personal income tax returns when the scenario supports that structure.
Bank statement loans for self employed buyers
For self employed borrowers, bank statement programs may use 12 or 24 months of deposits to show income strength when tax returns do not tell the full story.
Fix and flip or bridge financing
Bridge-style financing can be a fit for time-sensitive acquisition and renovation plans when a property needs work before long term financing makes sense.
What should you review first
Start with the goal, the property type, and the exit plan. Specialty lending works best when the timeline, reserves, and documentation are clear before you move forward.
- Purchase, refinance, or cash out goal
- Self employed, investor, or mixed income scenario
- Estimated credit profile and reserves
- Estimated loan amount and property type
- Whether a standard loan path may still be the better fit
Common specialty lending questions
Who is specialty lending usually for
Specialty lending is usually for Florida buyers and investors whose income, assets, or property plan does not fit a standard bank box. I review the scenario first, then tell you whether a niche loan makes sense or if a standard path is better.
Can self employed buyers use bank statement loans
Often yes. Bank statement loans may work for self employed borrowers who show strong deposits but not enough taxable income on returns.
What is a DSCR loan
A DSCR loan is an investor loan that qualifies mainly on the property cash flow instead of personal tax returns. It can be a useful fit for rental property scenarios.
When does bridge or fix and flip financing make sense
Bridge or fix and flip financing can make sense when timing matters and the property needs renovation before long term financing. I can help you review whether the leverage and timeline fit your plan.