NON QM - PROFIT & LOSS ONLY

LESS PROVING, MORE MOVING.

PROFIT & LOSS ONLY

PROFIT & LOSS ONLY.
LESS PROVING, MORE MOVING.

Our Profit & Loss Only program is built for self-employed borrowers who run real businesses, not paperwork marathons. Qualify using just a 1-year plus year-to-date P&L statement—no tax returns, no 4506-C, and no bank statements required to support income. If your numbers make sense and your business shows consistent profitability, we focus on what matters and move quickly. Fewer documents, common-sense underwriting, and a faster path to closing—because your P&L already tells the story.

DSCR Loans Built for Buying, Refinancing, and Scaling

Program Highlights

✔ Profit & Loss Only Qualification
✔ Limited Documentation Required
✔ Competitive Rates Available
✔ Fast Closings

Who This Program Is For

Self-Employed Borrowers
Business Owners & Entrepreneurs
Independent Contractors
Investors & Rental Property Buyers

Income Documentation Requirements

1 Year + Year-to-Date P&L Statement ONLY
P&L must be signed by one of the following:
- CPA
- CTEC
- Enrolled Agent (EA)
Must be a licensed professional
❌ PTIN-only or regular tax preparers are not acceptable
No tax returns required
No 4506-C required
Bank statements NOT required to support income
Borrower must show minimum 2 years operating the same business

Asset & Down Payment Flexibility

100% Gift Funds Allowed (including investment properties)
No sourcing required for large deposits
No seasoning required for assets

Property Types Allowed

Primary Residence
Second Home
Investment Properties
1–4 Unit Residential Only
No LTV reduction for 2–4 unit properties
Transfer Appraisals Accepted
❌ Not Eligible:
ITIN borrowers
Mixed-Use Properties
5+ Unit Properties

Loan Guidelines

Loan Amounts: $150,000 – $2,500,000
Maximum LTV: Up to 80%
Minimum FICO: 660
First-Time Homebuyers Allowed
Rent-Free Letter acceptable for primary residence purchases

Why Choose Real On Rise Capital Inc.

✅ Common-sense underwriting
✅ Fast turn times
✅ Self-employed friendly programs
✅ Investor-ready solutions
✅ Personalized mortgage guidance

Ready to Get Started?

Our P&L Only program is ideal for borrowers who don’t fit traditional lending boxes — but still deserve competitive financing.

Disclaimer (Recommended for Compliance)

All loan programs, rates, terms, and conditions are subject to change without notice. Approval is based on underwriting guidelines, credit, income, and property review. Not all borrowers will qualify.

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