American Financial Network, Inc.Call the team
Talk to the AFN team

Talk through your scenario with the AFN team.

Call (800) 321-8100 or office 949-242-0148, or send your details below and the AFN team follows up personally.

  • Self-employed and business owners
  • Real estate investors and rental properties
  • Income that doesn't fit agency guidelines

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American Financial Network, Inc. · Company NMLS #237341

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Start with your scenario

No credit pull. No obligation. The AFN team follows up personally.

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Specialty programs

Lending options built for real-world income

The AFN team works with specialty programs every day. Here’s a quick look at what may fit your situation.

Bank Statement Loans

Designed with self-employed borrowers in mind.

For business owners and self-employed borrowers whose tax returns may not fully reflect their cash flow, bank statement programs may provide another way to document qualifying income.

  • Designed for self-employed borrowers
  • May use eligible bank deposits to help document income
  • Personal or business bank statement options may be available
  • Purchase and refinance scenarios may be available
Learn more about Bank Statement Loans

DSCR Loans

Financing designed around investment-property cash flow.

Debt Service Coverage Ratio loans may allow qualifying real estate investors to use the property's expected or existing rental income as a key part of the qualification process rather than relying solely on traditional personal-income documentation.

  • Designed for real estate investors
  • Qualification may focus on property cash flow
  • Useful for eligible rental-property scenarios
  • Purchase and refinance options may be available
Learn more about DSCR Loans

Non-QM Loans

More flexibility for borrowers with unique financial situations.

Non-Qualified Mortgage programs can provide additional options when a borrower's income, assets, property type or overall financial picture falls outside traditional agency guidelines.

  • Alternative documentation options
  • Solutions for complex borrower profiles
  • Options for self-employed borrowers and investors
  • Multiple specialty lending programs may be available
Learn more about Non-QM Loans