Alternative Document Loan Programs2018-09-28T12:34:47+00:00

California Alternative Document Loans For the Self-Employed & Investor

RTC Mortgage’s California Alternative Document loans are ideal for the self-employed applicant and investor purchasing or refinancing California property.

The following two loan options take into consideration all the cash flow and assets a self-employed and high net worth borrower has at their disposal:

Self-employed borrower
No tax returns needed – Qualify with 12 months’ bank statements
Bank Statement Loan 

High net worth borrower
No employment or income needed. It is possible to qualify based on assets alone – The Asset Depletion Loan can be used concurrently with the Bank Statement Loan.
Asset Depletion Loan

As an alternative to Hard Money Loans, without the high-cost and inflated rates of Private Money, RTC Mortgage offers the following loan programs for Investors Only.

Investor – No income verification loan
The applicant will complete the traditional underwriting process with no income verification.
No Income Verification Loan

Investor – Property cash flow loan
This program is designed for experienced real estate investors and qualifies borrowers based on cash-flow solely from the subject property.
Property Cash Flow Loan

Investor – Private Money
Equity-based purchase, refinance and construction loans.
Private Money Loan

These products may have a higher interest rate, more points or more fees than other products that require documentation.