Read my blog


Alternative Doc Programs

Alternative Lending Solutions!


(No tax returns or 4506 for wage earners or self-employed borrower)

  • Loan Amount up to $5M
  • Max 49% DTI
  • Up to 10 financed properties
  • Use lease agreement for rental income
  • Non QM waiting periods on neg credit events
  • 100% gift funds allow on primary and 2nd home
  • Cash out loans okay
  • 15 and 30 year fixed; 7/1 ARM (Interest Only Option available)
  • P&I reserve requirement on subject property only



(Income and employment not required on 1003)

  • Qualify based on cash flow of the subject property only – No income doc required
  • FICO score down to 640 okay
  • Purchase, Rate/Term, and Cash Out Refinance
  • Foreign National eligible
  • First Time Investors eligible (w/ 5% LTV reduction). 12 month mortgage rating on current primary residence

Send me your scenario and let's find the right fit.

Blog Archives

Jonathan Caguioa

NMLS# 250609 / DRE# 01137630 Mobile: 949-241-2527

ALLIANZE MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

Contact Me Today

Let's find you the right home at the right price.