Non QM Loans!
Statement Loan 12 Month Bank Statements
Investor, Foreign National and Self Employed Home Loans
Home » 12 Month Statement Loan
12 Month Bank Statement Loan
12 Month statement loan program for self employed borrower. No tax returns required. Home Loan for statement only borrower.
Non-QM loans for statement only borrowers.
Qualify with your most recent business or personal bank statements.
- Up to $3M Loan Amounts
- 75% Max LTV Purchases
- 70% Max LTV Refinance
- Self Employed Borrowers Only
- 675 or greater credit scores
- Owner Occupied Only
- First Time Home Buyers considered at lower LTV
- The best home loans for Self-Employed Borrowers!
Home Loans For Self Employed Borrowers
Owner Occupied Home Loans For Self Employed Borrowers
If your credit history or your recent income doesn’t meet the strict guidelines set by standard mortgage loan programs,
a non-QM loan or non qualifying mortgage loan can still get you the financing you need to close on your home.
3 Month Bank Statement Loan
Qualify with just 3 months of business or personal bank statements.
12 Month Bank Statement Loan
Qualify with just 12 months of business or personal bank statements.
Jumbo Prime Home Loan
The most competitive Jumbo Prime Home Loan in the market today!
Foreign National Home Loan
Letter of good standing from your current financial institution or international credit report.
Asset Only Home Loan
Qualify with the most recent financial statement
Investor Cash Flow Home Loan
Non Owner Occupied. Purchase or Refinance.
Interest Only
Interest Only Home Loans
Foreign National Home Loans
Letter of good standing from your current financial institution or international credit report
WHAT IS THE BEST USE FOR NON-QM STATEMENT LOANS?
BORROWERS WHO ARE SELF-EMPLOYED WITH LIMITED DOCUMENTATION
While most standard or government loan programs require tax documents to prove your income, CambridgeHomeLoan.com non-QM programs offers bank statement mortgages with no need for filed tax paperwork. We evaluates deposits based on 12 to 24 months’ of your personal or business bank statements to determine your qualifying income. This is better known as a statement only loan. We can qualify you with just 3, 6 or 12 months of bank statements. To see how much you can qualify for click HERE! The option is the perfect option for self employed borrowers.
BORROWERS WITH A HIGH NET WORTH – ASSET DEPLETION LOAN
Our asset depletion loan allows you to divide the total cash balance in an asset account (checking, savings, investment or 401k) by a lender-chosen time period and use the end result as your qualifying income for a loan . This is better known as an asset depletion loan. As an example, a $200,000 balance in savings may result in $833.33 of extra monthly income in a 20-year asset depletion loan term. To simplify the asset depletion loan allows you to use existing savings and retirement income to qualify for your loan. This option is a good one if you have significant savings.
BORROWERS INVESTING IN MULTIPLE RENTAL UNITS
Mortgage guidelines for conventional and FHA loans allow up to 10 financed properties. If you have more than that then a Non-QM loan may be your best choice to finance your new home.
BORROWERS WITH recent BAD CREDIT
If you have bad credit or you have just completed a foreclosure you might be eligible for a Non-QM loan. For a Chapter 11 or 13 You typically need to wait two to three years before qualifying for a conventional loan. For information on your specific situation call us at 800-826-5077 and speak with a loan officer.
BORROWERS WHO ARE FOREIGN NATIONALS
If you are a citizen of another country who lives in the United States for either work or vacation. A Non-QM loan or foreign national loan may not require a social security number, proof of U.S. income or US credit.
INTEREST-ONLY PAYMENT Loan OPTION
Commissioned business owners or sporadic income-earners could benefit from an interest-only loan that allows for a lower monthly payment option. Interest only options can convert to a principal and interest loan after a period of time which will make the payments increase. Understand the term of the interest only period.
Fix To Flip and Fix To Rent Investor Loans
Fix & Flip - Fix To Rent Investment Loan
Multi Family Loans
Fix & Flip - Fix To Rent Investment Loan
$100,000 – $50M
12 to 24 month terms
No call protection /
lockoutUp to 100% LTV
Interest only amortization
No initial DSCR
requirementRecource/Non-recourse
Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case
Construction
$100,000 – $25M
12 to 24 month terms
No call protection /
lockoutUp to 80% of cost
Interest only amortization
No initial DSCR
requirementNon-recourse
Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case
Permanent
$100,000 – $100M
5 or 10 year terms
Call protection / lockout depends on loan term
Up to 75% of value
IO and amortization options
1.20x DSCR requirement on 30-year amortization
Non-recourse
Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case
As the leading private lender for multifamily and residential real estate investment property, CambridgeHomeLoan.com offers extensive debt solutions through a vertically-integrated, national lending platform. We offer borrowers fast, certain and efficient execution. With a proven track record of financing and over 25 years in business CambridgeHomeLoan.com understands the needs of investors throughout the investment lifecycle, from acquisition to renovation to stabilization.

Commercial Real Estate Loans
For Fix and Flip & Fix To Rent Investment Loans & Bridge Loans
Multi Family Commercial Real Estate Loans
REFINANCE OR ACQUISITION FINANCING
- Investment Properties or owner-occupied commercial real estate
- Conventional Loans or transitional loans
- Storied loans
- Loans requiring unique financing structures
Satisfying More Clients. One Loan at a Time.
PERMANENT FINANCING
CONSTRUCTION LOANS
BRIDGE LOAN
AGENCIES
MEZZANINE FINANCING
SBA 504 & 7A USDA B&I CREDIT LEASE FINANCING
At CambridgeHomeLoan.com, our commercial lending professionals understand the great opportunities and the myriad challenges facing small, middle, & large market business owners and executives. We excel at provide financing solutions tailored to your needs. Our understanding of the many unique aspects and challenges of your business allows us to work towards accommodating your financing requirements. We employ our creativity, experience and expertise to build the right solution for you.
- Quick Response
- Multiple Options
- Lower Rates
- Fast Closings
FINANCING FOR:
AGRICULTURAL & FARM
CHURCH & MINISTRY
OWNER OCCUPIED
HOSPITALITY
INDUSTRIAL
INTERNATIONAL REAL ESTATE
LAND
MULTIFAMILY
OFFICE RETAIL
SBA 7(A) & 504
SENIOR HOUSING
SPECIAL PURPOSE PROPERTIES
USDA B&I LOANS.
BRIDGE LOANS
- Quick closing
- Complicated story
- Renovation
- Lease-up
- Temporary liquidity
- Recent bankruptcy
Expert Residential, Commercial and Investment Real Estate Blog

Is Now a Good Time to Buy or Invest In Real Estate?
With the volatility of the markets, rates, and prices of real estate, you may be asking yourself, “Is now the right time to buy or

A Guide To Seller Concessions
Buying and selling real estate is for the most part, just a negotiation process. As a buyer you are trying to get the best deal

Non QM Mortgages Defined
WHAT IS A NON QM LOAN Non-Qualifying Loans, usually referred to as Non-QM Loans or Non QM Mortgages, can be easily defined as loans that

Buying A Home -Downpayment Options
Buying a house isn’t just about the purchase price or the monthly payment. A good part of your budget will also be your down payment.

Choosing The Right Fix and Flip Lender
The US housing market from time to time can be turbulent and both new and experienced real estate investors need to be able to flexible

How To Invest In Real Estate In 3 Steps
There are many ways to start investing in real estate. We are going to focus on a way to start investing in real estate with
IF ITS RELATED TO REAL ESTATE WE LEND ON IT.