REAL ESTATE FINANCING SOLUTIONS
NO TAX RETURNS, NO W-2's, NO PAY STUBS
Business Owners, Entrepreneurs, and Self Employed People have the most difficult time purchasing real estate. Their income can be sporadic, seasonal, commission-based, and potentially difficult to verify. It's an underlying fact that millions of Americans go through extraordinary measures to limit their tax liability. In an effort to keep as much money in the bank as possible, business owners write off tens of thousands of dollars in deductions. They often file extensions or not file taxes at all.
The challenge with this strategy is that traditional mortgage companies and banks will request tax returns
directly from the IRS. After all the deductions and write-offs are taken these tax returns often show limited
AMS understands many business owners can generate great incomes however they often do not pay themselves via paychecks and cannot provide W-2's. All of these factors disqualify millions of potential homeowners from securing a traditional mortgage.
AMS can pre-approve and finance business owners, entrepreneurs, and the self-employed based on the last 12 or 24 months of Business and Personal bank statements. We can also qualify individuals using Profit and Loss statements and 1099's.
PURCHASE AND CASH-OUT
REFINANCE PROGRAMS WITH
NO TAX RETURNS
NO PAY STUBS
Up to 90% LTV on Purchases
Up to 90% LTV on Refinances
Minimum Fico Score 600