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Loan Programs

Specialty programs for borrowers who don't fit the traditional W-2 box. All loans subject to underwriting approval. Reach out and we'll match you to the right product.

  • Self-Employed

    Bank statement loans, P&L loans, and other options for business owners.

    Detailed program page coming soon — for now, call or email to discuss.
  • No Income Documentation

    Qualification without W-2s or tax returns. Ideal for privacy or complex income.

    Detailed program page coming soon — for now, call or email to discuss.
  • Rental Income (DSCR)

    Investment property loans qualified on the property's cash flow, not personal income.

    Detailed program page coming soon — for now, call or email to discuss.
  • Investment Properties

    Purchase or refi 1-4 unit rentals, short-term rentals, and portfolios.

    Detailed program page coming soon — for now, call or email to discuss.
  • Foreign National

    Financing for non-US residents purchasing US real estate. No SSN required for many programs.

    Detailed program page coming soon — for now, call or email to discuss.
Ready to move forward?

Start your application online — it takes ~10 minutes. No obligation.

Loan Programs — LNZ Lending LLC