Portfolio & Investor Loans
Flexible non-QM and portfolio loan solutions for investors, self-employed borrowers, and scenarios that don't fit traditional guidelines.
Down Payment
15–20%+
Credit Score Min
620+
Loan Limits
Varies by program
Best For
Investors, self-employed borrowers
Flexible financing for scenarios that don't fit the box
Portfolio loans are mortgages that lenders keep on their own books rather than selling to Fannie Mae or Freddie Mac. Because they don't have to meet conforming guidelines, portfolio lenders have the flexibility to approve scenarios that conventional underwriting simply won't accommodate — such as real estate investors, self-employed borrowers with complex tax returns, or buyers with non-traditional income sources.
One of the most powerful portfolio products for real estate investors is the DSCR loan (Debt Service Coverage Ratio). Instead of qualifying based on your personal W-2 income, a DSCR loan evaluates whether the rental income from the property is sufficient to cover the mortgage payment. If the property cash flows — the rent covers the mortgage — you may qualify regardless of what your tax return shows.
For self-employed borrowers, bank statement programs allow you to demonstrate income using 12 or 24 months of bank deposits rather than tax returns. This is ideal for business owners who take significant deductions and therefore show lower net income on paper than they actually earn. If your tax return doesn't reflect your real cash flow, a bank statement loan may be your best path to financing.
Portfolio & Investor Loans at a glance
- Flexible underwriting outside agency guidelines
- Available for investment properties and portfolios
- DSCR (debt service coverage ratio) loans available
- No traditional income documentation in some cases
- Terms vary — discuss your scenario directly with Austin
Portfolio Home Loans
Who is it best for?
If you've been turned down by conventional lenders because your income doesn't fit neatly into a W-2 box, or because you're buying an investment property — this is where we start looking at flexible alternatives.
Real estate investors
Buying rental properties or scaling a portfolio — DSCR lets the property qualify itself.
Self-employed borrowers
Complex income or significant write-offs? Bank statement programs use deposits, not tax returns.
Business owners with strong cash flow
Those who qualify on actual cash flow but whose tax returns show lower net income.
Multi-property investors
Buyers who have hit conventional loan count limits and need an alternative path.
DSCR borrowers
Qualifying based on the rental income of the investment property, not personal W-2 income.
Non-traditional income earners
Borrowers who can document strong financials but don't fit standard underwriting boxes.
Key Benefits
Flexible Underwriting
Portfolio lenders evaluate your full financial picture — not just what fits in a conventional checkbox. Complex scenarios are welcome.
DSCR Loans for Investors
Qualify based on property rental income rather than personal income. Ideal for investors scaling a portfolio without W-2 documentation.
Bank Statement Programs
Use 12–24 months of bank deposits to demonstrate income instead of tax returns. A game-changer for self-employed borrowers.
Requirements
Common questions
Comparing your options?
These loan products are commonly compared to portfolio financing.
Let's find a portfolio solution that works for you.
Been told your income "doesn't qualify?" Talk to us before giving up. DSCR and bank statement programs exist for exactly this kind of situation.
NMLS #1898199 · Austin Williams NMLS #885656 · Equal Housing Opportunity