INVESTOR FINANCING MADE SIMPLE
CLOSE YOUR INVESTMENT LOAN WITH CONFIDENCE
DSCR & Alt-Doc Programs Built for Speed - No Tax Returns Required
Loan Program Highlights
Choose the Right Program for Your Investment Goals
DSCR
Debt Service Coverage Ratio Loans are designed for real estate investors who want to qualify based on rental income rather than personal income. No tax returns are required ,and you can close in an LLC.
Bank Statement
Bank Statement Loans are ideal for self-employed borrowers who receive consistent deposits into personal or business bank accounts. Instead of tax returns, we use 12-24 months of bank statements to calculate income.
profit and loss
Profit & Loss loans are great options for self-employed borrowers with cash-based businesses where not all income is deposited into a bank account. Instead of bank statements or tax returns, we use a P&L prepared by your CTEC, Tax Preparer or CPA to qualify.
Income Stacking
Income Stacking allows you to combine W2 income with bank statement income and rental income, giving you greater flexibility to qualify with traditional and self-employed income sources.
How it Works
Apply Online In Minutes
Submit your scenario - no tax returns required.
Ge Pre Qualified Fast
We'll review your scenario and provide a quote within 24 hours.
Close within 15-20 Days
We handle the rest - fast closings, minimal documentation.
Client Testimonials
WHO IS US FUNDING CO?
Our team has successfully secured over $100,000,000 in loans for real estate investors across the country – from first-time landlords to seasoned portfolio operators.
We specialize in business-purpose financing, tailored to the unique needs of the independent investor as well as the strategic demands of institutional borrowers. Whether you need a streamlined DSCR loan for your next rental or a custom portfolio solution to manage multiple properties under one umbrella, we understand how to structure financing that fits.
What sets us apart is simple:
- Speed
- Creativity
- Execution
- Ability to Close
We pride ourselves on delivering results where others fall short – funding loans that other lenders turn away, without the unnecessary red tape.
When you work with US Funding, you’re not just getting a loan – you’re getting a partner who knows how to get deals done.
No. None of our business purpose programs require tax returns to qualify. We qualify you based on alternative documentation such as rental income, bank deposits, or CPA-prepared financials to qualify.
Yes. You can close in the name of an LLC, corporation, trust, or in your personal name-whichever structure best fits your investment strategy.
We can typically close DSCR loans within 15-20 days. Our Alt-Doc programs such as Bank Statement or P&L usually take an additional 5 days.
Income Stacking is a flexible qualification method that allows us to combine multiple income sources to help you qualify – especially when traditional documentation falls short. We can use W-2 income, bank statement deposits, P&L income, and even rental income from other properties (verified through lease agreements). Additionally, we can factor in assets using an asset depletion calculation, giving you even more purchasing power by stacking income sources together.
While DSCR loans are fast and flexible, they don’t always offer the best terms – especially if the property doesn’t cash flow well or meet DSCR guidelines. This’s where Alt-Doc programs shine. By providing a bit more documentation, you can often access better interest rates, higher leverage, and more favorable terms. Alt-Doc is a great alternative when a property doesn’t quite debt service or when you want to maximize your borrower power.
No Tax Returns. No Hassle. Just Funding.
Whether you’re expanding your portfolio or refinancing an existing property, our streamlined loan options make it easy to get approved. No Tax returns required. minimal documentation. Fast Closings.
