Asset Depletion Loans
For borrowers with significant liquid assets but minimal or no traditional income, Asset Depletion Loans provide a flexible mortgage solution. These loans are ideal for self-employed individuals, retirees, or those with substantial savings who may not have steady income streams.
Key Benefits:
No Traditional Income Requirements – Qualify without W-2s or pay stubs
Ideal for High-Net-Worth Individuals – Perfect for those with significant savings or investments
Flexible Loan Options – Tailored to fit unique financial situations
How It Works:
Instead of using employment income, lenders calculate your ability to repay the loan by dividing your liquid assets over a set period—typically several years. This allows you to qualify based on your financial strength rather than traditional income verification.
If you have strong assets but limited income, an Asset Depletion Loan could be the right fit for you. Contact us today to learn more!
Bank Statement Loans
For self-employed borrowers who don’t fit traditional income verification requirements, Bank Statement Loans offer a flexible mortgage solution. Instead of relying on tax returns or W-2s, lenders use your bank deposits to assess income, making it easier for entrepreneurs and business owners to qualify.
Who Benefits from Bank Statement Loans?
Self-Employed Individuals – Ideal for business owners, freelancers, and gig workers
Borrowers with Fluctuating Income – Designed for those whose monthly earnings vary
High Business Expenses? No Problem! – Helps those whose tax returns understate their actual income due to deductions
How It Works:
Lenders analyze 12 to 24 months of personal or business bank statements to determine your qualifying income. This method provides a realistic picture of your earnings, making homeownership more accessible.
Ready to see if a Bank Statement Loan is right for you? Contact us today to explore your options!
No Ratio Loans
No Ratio Loans are designed for borrowers who cannot or prefer not to disclose their income. These loans are ideal for self-employed individuals, business owners, and those with non-traditional income sources who may have difficulty qualifying for conventional loans due to tax write-offs or fluctuating earnings.
Key Features:
No Income Documentation Required – No need for tax returns, W-2s, or pay stubs
Ideal for High-Asset Borrowers – Great for those with strong credit and significant savings
Flexible Qualification Process – Focuses on credit history and assets rather than income ratios
Things to Consider:
Typically higher interest rates and stricter terms than traditional loans
Larger down payments may be required
If you need a loan that offers flexibility without traditional income verification, contact us today to explore your options!
Profit & Loss (P&L) Loans
for Self-Employed Borrowers
Traditional income documentation doesn’t always reflect the financial strength of a self-employed business owner. That’s where Profit & Loss (P&L) Loans come in. These loans allow self-employed borrowers to qualify based on their business’s profit and loss statements rather than tax returns or pay stubs.
Key Benefits:
Alternative Income Verification – No need for W-2s or tax returns
Ideal for Self-Employed Borrowers – Perfect for those with fluctuating income but a profitable business
Flexible Qualification Criteria – Designed to meet the unique financial profiles of entrepreneurs
If you’re self-employed and looking for a mortgage solution that works for you, contact us today to explore your options!
420 Income Loans
At Kamarilias Mortgage, we recognize the unique financial landscape of the cannabis industry. Our 420 Income Loans are designed to help individuals employed in this sector secure mortgage financing, even with unconventional income documentation.
Who Qualifies?
Cannabis industry employees, entrepreneurs, and business owners
Individuals with cash-heavy or alternative income sources
Borrowers facing challenges with traditional mortgage approval due to industry regulations
Key Benefits:
Industry-Specific Underwriting – Tailored solutions for cannabis professionals
Flexible Income Documentation – Bank statements, profit & loss statements, or other verified earnings
Competitive Loan Programs – Access to conventional and non-traditional mortgage options
Fast & Discreet Processing – Ensuring privacy and efficiency throughout the loan process
How 420 Income Loans Work:
Income Verification – Alternative documentation methods available
Custom Loan Structuring – Designed to fit your financial situation
Secure Financing with Ease – Get approved despite industry restrictions
Own a Home While Growing Your Career!
Our 420 Income Loan options make homeownership possible for cannabis industry professionals.
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