If you're self-employed, a real estate investor, or your income doesn't fit neatly on a W-2 — you're in the right place. These loans are built for the way you actually earn money.
These are not loans for everyone — but if you fall into any of these categories, they may be exactly what you need.
Freelancers, consultants, sole proprietors, and business owners who write off expenses — and whose tax returns don't reflect their real income.
Buyers of rental properties, fix-and-flip projects, or multi-unit buildings — where the property's income, not yours, is what qualifies the loan.
Retirees or others with significant savings or investments but limited monthly income on paper. Your assets can be used to qualify.
Credit scores as low as 580 considered. A past hardship shouldn't permanently close the door to homeownership or investment.
Through American Heritage Lending, we offer several flexible programs designed to fit your actual financial picture.
Instead of tax returns, we use 12–24 months of personal or business bank statements to verify your income. Ideal for self-employed borrowers whose write-offs reduce their taxable income but whose deposits tell a different story.
For investment properties, the loan qualifies based on the property's rental income — not your personal income. If the rent covers the mortgage, you may qualify. No W-2s or tax returns required.
Have significant savings, retirement accounts, or investments? Lenders can calculate a "monthly income" from your total assets and use that figure to qualify you — even if you have little or no regular income.
Short-term financing for investors who buy, renovate, and resell properties. These loans cover both the purchase price and rehab costs, with repayment expected after the sale — typically within 6–18 months.
Need to buy your next property before your current one sells? A bridge loan gives you short-term financing to move forward without waiting. Commonly used by move-up buyers and investors managing multiple properties.
Let's be straightforward with you: these loans involve more paperwork, more lender scrutiny, and slightly higher rates than conventional loans. That's not a flaw — it's the tradeoff for flexibility.
Conventional lenders follow strict government guidelines. If your income, credit, or property type doesn't fit those guidelines, they simply can't help you — no matter how financially strong you are.
These loans are offered by specialty lenders like American Heritage Lending who are allowed to look at the full picture — your bank deposits, your rental income, your assets — and make a judgment call.
My job is to make sure you fully understand the terms, the costs, and whether this is truly the right move for you — before you sign anything. That's what "The most transparent loan you'll ever see" means in practice.
No surprises at closing. You'll know your rate, fees, and terms from the start.
I've worked with complex financial situations for decades. I know which lenders will say yes.
You work directly with me — not a call center, not a junior processor. Me.
If a program isn't right for you, I'll tell you — and help you find a better path.
Yes — that's exactly who bank statement loans were designed for. If your business deposits tell a stronger story than your tax returns, we can use 12–24 months of statements to determine your qualifying income instead.
Credit scores as low as 580 are considered at Clear Loan. A past hardship — medical bills, divorce, a slow business period — doesn't have to be the final word on your ability to borrow.
Rates are typically higher than conventional loans — that's the honest answer. The tradeoff is access: these loans open doors that conventional lenders can't. We'll always show you the full cost so you can decide if it makes sense for your situation.
Quite possibly. DSCR loans are well-suited for investors with multiple properties because qualification is based on the rental income of the property being purchased — not your personal income or how many loans you already have.
It depends on which program fits you. Bank statement loans need 12–24 months of statements. DSCR loans need a lease agreement or market rent analysis. Asset-based loans need account statements. We'll tell you exactly what's needed after your first conversation — no surprises.
There's no obligation and no pressure. A quick conversation is usually all it takes to figure out whether one of these programs is the right fit — and if it's not, I'll tell you that too.
Get a Quick Quote Schedule a CallLicensed CA Mortgage Broker — DRE & NMLS Licensed | Serving Sherman Oaks and surrounding communities
