Your income has a story. Let’s find a mortgage that fits.
Flexible mortgage options for business owners, self-employed borrowers, and real estate investors.
At Pacific East Realty & Mortgage Corporation, we understand that income can come from a business, investments, rental properties, or multiple sources. We help borrowers explore non-QM and alternative-documentation mortgage programs when traditional income documentation does not fully reflect their financial situation.
Different income. Different qualification options.
Own a business? Have substantial assets? Buying a rental property? Start with a conversation about your options.
01
Bank Statement Loans
For self-employed borrowers with documented business cash flow.
Eligible personal or business bank statements may be used to evaluate qualifying income. Lenders review deposits, applicable business expenses, and other program requirements.
02
Profit & Loss — P&L Programs
For business owners seeking an alternative way to document business income.
Eligible borrowers may qualify through a lender-approved P&L documentation program. Requirements for the statement’s preparer, business history, verification, and supporting records vary.
03
Written Verification of Employment — WVOE
For eligible employed borrowers.
Certain programs may use written employer verification as part of the income review. Additional documentation and independent verification may be required.
04
Asset Depletion / Asset Utilization
For borrowers with substantial eligible assets.
Certain programs calculate qualifying income from verified assets using the lender’s formula. Eligibility depends on asset type, accessibility, required reserves, and other underwriting requirements.
05
DSCR Investment Property Loans
For investors purchasing or refinancing eligible rental properties.
Debt Service Coverage Ratio programs focus on the property’s qualifying rental income compared with its required debt service. Credit, assets, property eligibility, and other requirements still apply.
These DSCR programs are for eligible business-purpose investment properties, rather than a borrower’s primary residence.
PERSONAL GUIDANCE
Built around your situation.
Start with your financial picture.
We review your employment or business, available documentation, assets, and property goals.
Understand your options.
We explain potential qualification paths, documentation requirements, and financing tradeoffs.
Consider the full cost.
Look beyond the interest rate to review points, lender fees, monthly payments, reserves, and any applicable prepayment penalty.
Connect financing with your property plans.
Our real estate and mortgage experience helps you consider both sides of the transaction.
LET’S TALK
Not sure which program fits?
You do not need to select a program before contacting us. Tell us:
Are you purchasing, refinancing, or exploring a cash-out refinance?
Will the property be your home or an investment?
Are you employed, self-employed, retired, or primarily supported by investments?
What documentation is available to support your income and assets?
We will help identify which options merit a closer review.