Self-Employed
Your tax return may not show the whole business. We look at deposits and the story behind them.
Who we serve
We look at the story
behind your numbers.
For self-employed borrowers, investors, retirees and complex income profiles.
The whole picture
matters more than a form.
Real Estate Investors
Evaluate investment property through cash flow, equity and the strategy behind the asset.
Retirees & Asset-Rich
Explore ways eligible assets can support a mortgage plan after traditional income changes.
Complex Profiles
For borrowers whose income, assets or goals need a more thoughtful review.
02Why CapitalSource
We do not do everything.
We do this better.
One focus: solving the qualification problems that conventional lenders walk away from.
Exclusive Product Focus
Most brokerages try to be everything. We do not. We operate exclusively in HELOCs, cash-out refinances, and private reverse mortgages. That focus produces depth of expertise that broad-market shops cannot match.
Non-QM Qualification Expertise
We operate across the full non-QM qualification stack: Bank Statement, DSCR, No Ratio, No Doc, Asset Depletion, and P&L. These are the core of how we underwrite.
Brokerage + Direct Lender Platform
CapitalSource operates as both a mortgage brokerage and a direct lender, providing placement flexibility across institutional and private capital.
Equity-First Decision Making
Every deal starts with asset strength, equity position, and long-term property value. Our process is analytical, transparent, and grounded in fundamentals.
Structured, Not Transactional
We do not simply process files. We structure solutions so every borrower understands the structure, the reason behind it, and what to expect through closing.
A clear first stepExplore your options
Explore your options
in 30 seconds.
Answer a few questions and we will identify the structure and next step that fit your profile.
Explore in 30 seconds↗