Convert Your Equity Into Strategic Capital.

Replace your existing mortgage with a structured first-lien loan and unlock liquidity for what matters most.

LEVERAGE WHAT YOU'VE BUILT

Your Capital Should Work for You.

Conventional lenders see a complex tax return and stop there. We look at your equity position and your actual financial strength. Millions of dollars in equity are sitting idle because standard underwriting forms can't process non-traditional income.

A cash-out refinance allows you to tap into the equity of your home or investment properties to fund business expansion, acquire additional real estate, consolidate high-interest debt, or build liquidity reserves. We structure the loan around your reality.

How We Qualify Complex Income

Conventional refinancing requires W-2s and tax returns. Our non-QM programs are built around how self-employed and high-net-worth individuals actually hold their wealth.

QUALIFICATION PATH

HOW IT WORKS

Bank Statement (12 or 24 Month)

We use personal or business bank deposits to calculate income, bypassing tax returns entirely. Ideal for business owners who maximize write-offs.

DSCR (Investment Properties)

Qualify based purely on the cash flow of the investment property itself. No personal income calculations required.

Asset Depletion

For high-net-worth borrowers with significant liquid assets but low documentable monthly income. We divide eligible assets to create a qualifying income stream.

P&L Only

Self-employed borrowers using CPA-prepared profit & loss statements to demonstrate business health.

1099 Only

Independent contractors and freelancers can qualify using only their 1099 forms, without providing full tax returns.

The CapitalSource Advantage

We deliver structured equity solutions that go far beyond the strict limitations of retail banking.

High Loan AmountsAccess significant capital with jumbo loan limits up to $6,000,000 or more, designed for high-value properties.
Flexible Property TypesAvailable on primary residences, second homes, and non-owner occupied investment properties.
Strategic Debt ConsolidationPay off high-interest business loans, credit cards, or other obligations to dramatically improve monthly cash flow.
No Tax Returns RequiredAlternative documentation paths mean your complex tax strategy won't stop your approval.

Ready to See What You Qualify For?

Tell us about your situation. We'll identify the right structure and qualification path — and give you a clear picture of what's possible.

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