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Specialty Loan Programs

LendFriend specializes in specialty and non-QM loans for borrowers whose income, assets, property, or financing goals do not fit standard mortgage guidelines. From bank statement and asset depletion loans to DSCR, bridge, and fix-and-flip financing, our team knows how to navigate complex files and find loan options built around the borrower and the deal.

Asset Depletion Loans

Perfect for high-net-worth individuals who want to use assets—not income—for a stress-free home purchase.

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Self-Employed Mortgages

A streamlined mortgage process without the need for tax returns that doesn't break the bank. A stress-free experience and a great deal. 

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Crypto-Backed Mortgages

Don't sell your Bitcoin & Ethereum to buy a home - qualify using your holdings for a stress-free and tax efficient home purchase.

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Buy Before You Sell

Relocating? Buy your next home and unlock your equity without selling first - no contingency, no double move needed.

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RSU Mortgages

Turn vested and pre-IPO RSUs into mortgage buying power and qualify using stock compensation when traditional lenders overlook their full value.

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Loans for Retirees

Want to spend your golden years in your dream home? Find out how you can easily qualify using your retirement assets.

 

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Professional Mortgages

Specialized community programs for doctors, attorneys, accountants and other professionals. Little to no down payment required. No PMI.

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DSCR Loans

Leverage your property's rental income—not your personal earnings. If the rent covers the mortgage, you may qualify. 

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No Ratio Loans

Use your real estate equity to qualify for a primary-home mortgage—without tax returns, income documentation, or a debt-to-income ratio.

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Fix & Flip Loans

Finance the purchase and renovation of an investment property with one short-term loan. Move quickly, fund the rehab, and renovate the property for resale or rent.

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Specialty Loan Program FAQs

What is a specialty mortgage loan?

A specialty mortgage is designed for borrowers, properties, or income profiles that fall outside standard conventional guidelines. These programs can include bank statement loans, asset depletion mortgages, DSCR loans, bridge loans, fix-and-flip financing, and RSU mortgages.

 

Who can benefit from a specialty or non-QM loan?

Specialty loans may be a strong fit for self-employed borrowers, real estate investors, retirees, high-net-worth clients, and employees with RSU or pre-IPO stock compensation. They can also help borrowers purchasing unique properties or working with complex financial profiles.

Do specialty loan programs require tax returns?

Not always. Depending on the program, qualification may use bank deposits, liquid assets, rental property cash flow, stock compensation, or the strength of the investment property instead of traditional tax returns and W-2 income.

What happens if my assets change during the loan process?

Rates vary based on the loan program, credit, property, down payment, assets, and overall risk profile. Some specialty loans carry higher rates than conventional mortgages, but they may provide access to larger loan amounts or qualification options that standard lenders do not offer.

 

How do I know which specialty loan program is right for me?

The best program depends on how you earn income, the assets you hold, the property you are financing, and your goals. LendFriend reviews the full financial profile to identify the most appropriate specialty or non-QM loan option.

 

Learn More About Specialty Loan Programs

Our Learning Center explains how specialty and non-QM loans work, who they are designed for, and how borrowers can qualify using bank statements, assets, rental income, RSUs, or investment property value. Explore our latest guides below.