Alternative Doc LoansWhen standard paperwork doesn't fit.

Use the strength of your overall financial picture — assets, 1099s, P&Ls, or written verification of employment — when conventional documentation falls short.

Get Pre-Qualified Call (917) 536-8709

Happy family receiving keys to their new home

Why borrowers choose this

Built around how youactually qualify.

Assets become income

Use savings, investments, or retirement accounts to qualify — even without a paycheck.

1099-only path

Skip tax returns entirely with two years of 1099 income documentation.

Combine and conquer

Blend programs — asset depletion + 1099 — to maximize qualification.

A home loan that fits real life

Built for retirees, foreign nationals, and complex-income earners.

Program highlights

Asset depletion (use savings/investments as income)
1099-only qualification
WVOE-only for W-2 earners
P&L only for established businesses

Typical requirements

Documentation depends on program
Credit 640+
10–25% down typical

Ideal for: Borrowers with complex or non-traditional income

FAQ

Common questions

Also explore

Other Flexx loan programs

Non-QM Loans

Non-Qualified Mortgages give creditworthy borrowers a path to financing when their profile doesn't fit Fannie Mae or Freddie Mac guidelines — without sacrificing competitive terms.

Learn more

Bank Statement Loans

Qualify using 12 or 24 months of personal or business bank statements instead of W-2s or tax returns. Built for self-employed earners with strong cash flow.

Learn more