No W-2? Own several rentals? Self-employed? We underwrite DSCR and Non-QM loans around cash flow and real financials — plus a full menu of Conventional, FHA, VA, USDA and Jumbo programs.
Debt Service Coverage Ratio = Monthly Rent ÷ Monthly PITIA. No tax returns needed — the property qualifies the loan.
Fifteen programs across three groups. Start with what we do best, or browse the full menu.
Qualify on rental income, not your personal tax returns. No employment or income docs required.
Learn more →12–24 months of personal or business bank statements stand in for tax returns.
Learn more →Turn liquid assets into qualifying income — up to 80% LTV, 4-month seasoning.
Learn more →Qualify with a CPA-signed profit & loss statement — with or without bank statements.
Built for commissioned and gig-economy borrowers — 1099s replace full tax-return underwriting.
Learn more →US property financing for international borrowers — no US credit or residency required.
Learn more →We underwrite in-house as a direct lender — no broker hand-offs, no waiting on someone else's answer.
DSCR, bank statement and P&L programs designed around how investors and the self-employed actually get paid.
Direct status updates from your loan officer at every milestone — you'll always know exactly where your file stands.
From DSCR to FHA to Jumbo — one lender for the specialty deal and the straightforward one.
NMLS #1518537. Licensed in California for agency loans, with DSCR available in 21 additional states.
A dedicated partnership track for agents, with fast pre-approvals and free CE credit classes.
"I have three rental properties and every other lender wanted two years of returns. AmeriFirst closed my DSCR loan on the rent roll alone — 19 days start to finish."
"Self-employed for 12 years and finally worked with a lender who understood a P&L. Straightforward process, no surprises at closing."
"My clients who don't fit the conventional box finally have somewhere to go. The loan officer calls me directly with updates — I never have to chase status."