Every program below is priced and underwritten in-house — no correspondent hand-offs, no black-box overlays.
Qualify off property cash flow — no personal income documentation required. Built for buy-and-hold and short-term rental investors.
12–24 months of business or personal bank statements used to calculate qualifying income, with flexible expense-ratio options.
High-balance purchase and refinance financing for loan amounts above conforming limits, up to $5M+ for qualified brokers.
Qualify using a CPA, EA, or tax-preparer-signed profit and loss statement — no bank statements or tax returns required.
Income calculated from 12–24 months of 1099 forms for gig-economy, commission, and contract-based borrowers.
Turn liquid assets — checking, savings, brokerage accounts — into qualifying income without traditional employment verification.
Financing for non-resident borrowers investing in U.S. real estate — no U.S. credit history or SSN required.
Purchase and renovation capital for investors rehabbing single-family and small multi-family properties for resale.
Fast, asset-based capital for time-sensitive purchases, rehabs, and bridge scenarios where speed matters more than documentation.
Send your scenario to a Rockstone account executive and we'll match it to the right program — usually same day.
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