Residential & Commercial Mortgage Financing
Loans built for investors and high net worth borrowers
No tax returns. No income verification. Just strong deals. From HELOCs and DSCR to Non-QM and foreign national programs, we close the loans traditional banks won't touch — fast.
Mortgage Loan Programs
Financing for every kind of real estate deal.
Whether you're unlocking equity, scaling a rental portfolio, or buying as an international investor, there's a program designed for your situation.
HELOC Loans
HELOC for high net worth individuals — unlock liquidity while keeping your portfolio intact. Tap into your wealth without selling your assets.
Tap Into Your WealthExplore HELOC options →DSCR Loans
Get approved for DSCR loans in California with no tax returns or personal income required. Competitive rates for rental properties, short-term rentals & portfolio investors with fast pre-approvals.
Investment Property FinancingGet pre-approved →Alternative Docs
Alternative loans for real estate investors — no tax returns, no income verification. Just strong deals backed by bank statements, assets, or property cash flow.
Built for InvestorsSee alt-doc programs →No Ratio for Investors
Qualify based on the property and your down payment — not a cash-flow ratio. No DSCR ratio investor loans designed for experienced buyers scaling their holdings.
No DSCR RatioCheck eligibility →Non-QM Loans
No tax returns or W-2s required on many programs, faster closings than traditional banks, and flexible qualification based on property performance. Perfect for rental portfolios, flips & short-term rentals.
How Non-QM WorksLearn about Non-QM →Foreign National Programs
Designed for international buyers — flexible Non-QM loans most banks won’t touch. Finance U.S. investment property without domestic credit or income documentation.
Foreign National AdvantageTalk to a specialist →Ready to Get Started?
Get a free mortgage consultation.
Tell us about your goals and a licensed Loan Direct mortgage officer will reach out within one business day to map out your financing.
Get a Free Consultation
Residential & commercial lending for investors and high net worth borrowers.
Talk to a Loan Officer
What Happens Next
Submit your details and a Loan Direct mortgage officer reviews your scenario — no obligation, no hard credit pull to start.
We match you to the right HELOC, DSCR, Non-QM or alternative-doc program and provide a fast pre-approval.
We handle the paperwork and guide you through closing so you can fund your next deal with confidence.
Mortgage loans arranged through Loan Direct, NMLS #2647535. Loan programs, rates, and terms are subject to change and borrower qualification. This is not a commitment to lend. Equal Housing Opportunity.
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