Non-Traditional Mortgage Options or Non-Traditional Home Financing
In today's competitive national real estate market, many buyers and investors need more flexible financing to make deals work—especially for multi-family homes, condos (including non-warrantable ones), or properties with unique income streams like short-term rentals or ADUs.
Our Non-Traditional Mortgage Program delivers exactly that: high-LTV options with relaxed guidelines to help more clients qualify and close faster. Whether you're eyeing a duplex for rental income, a non-warrantable condo in a hot urban spot, or a larger investment property, this program opens doors that traditional loans often close.
Key Features of This Program
Up to 90% LTV — Maximize your purchase power with minimal down payment (perfect for owner-occupants or investors stretching budgets in high-cost LA areas)
2-4 Unit Properties and Condos — Finance duplexes, triplexes, fourplexes, warrantable condos, and non-warrantable condos without the usual restrictions
Loan Amounts Up to $3.5 Million — Ideal for higher-value properties in premium neighborhoods like Beverly Hills, West Hollywood, or emerging areas
Gift Funds & Gift of Equity Allowed — Family assistance or seller concessions make it easier to cover down payments or closing costs
Short-Term Rental Income Permitted — Count projected Airbnb/VRBO income to qualify (great for California's tourism-driven market)
Non-Warrantable Condos Permitted — No worries about high investor ratios, HOA issues, or other Fannie/Freddie red flags
12 Months Self-Employed Bank Statements — Qualify using recent bank deposits instead of full tax returns—ideal for gig workers, freelancers, or variable-income pros
ADU Income Allowed — Factor in accessory dwelling unit rental income to boost qualification (a huge plus in Southern California where ADUs are booming)
This program is a strong Non-QM solution that bridges the gap for borrowers who don't fit conventional boxes—self-employed, investors, or those with complex income/property types—while keeping terms competitive and approvals streamlined.
In 2026's California market, with rising property values and demand for multi-unit investments, these features can turn "almost qualified" buyers into closed deals. It's especially powerful when combined with other tools like asset utilization or DSCR for pure investments.
Ready to see if this fits you as a buyer or investor?
Let's connect — Drop a comment below, or reach out directly. I'm based in Southern California and happy to review scenarios, run quick pre-quals, or discuss how this can help close more multi-family, condo, or investment deals with confidence.
