Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
For self-employed borrowers
Business Bank Statement Program
For self-employed borrowers and business owners who would rather prove their income with bank statements. There are no tax returns, W-2s or pay stubs to show.
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Your Tax Return Is Not the Whole Story
Business owners often write off many of their business expenses. That lowers their taxable income, and with it the income a traditional lender will count.
The Business Bank Statement Program is built for that situation. You use your bank statements to prove your qualifying income, so you can qualify without the traditional income standards.
- No tax returns, W-2s or pay stubs to show
- For a purchase or a refinance
- For 1–4 unit properties
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Two Ways to Look at the Same Income
The business is the same. What changes is which paperwork tells its story.
A Traditional Mortgage
- Counts the income on your tax returns
- Asks for W-2s and pay stubs
- Every write-off lowers your qualifying income
This program
The Bank Statement Program
- Counts the income your bank statements show
- No tax returns, W-2s or pay stubs to show
- Built for owners who write off business expenses
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Who This Program Is For
It suits people whose income is real but does not fit a standard loan application.
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Business Owners
You run a company, and your tax return shows less than the business takes in.
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Self-Employed Professionals
You work for yourself and would rather prove your income with bank statements.
-
Borrowers With Many Write-Offs
Your deductions are legitimate, but they shrink the income a traditional lender counts.
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
How It Works
A simple path from your first question to your financing.
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Step 1: Tell Us Your Plans
Share what you want to buy or refinance and how your business is set up. A mortgage advisor will confirm the program fits.
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Step 2: Share Your Bank Statements
Your bank statements take the place of tax returns, W-2s and pay stubs as proof of your qualifying income.
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Step 3: Review Your Loan Options
Go over the loan options open to you and ask every question you have.
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Step 4: Move Toward Closing
Choose the option that works for you and take the next step.
This is a general guide. Your steps can vary with your loan.
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Program Details
The figures Clear Path publishes for this program, in plain words.
- Who it is for
- Self-employed borrowers and business owners People who prefer to prove their qualifying income with bank statements.
- Income documents
- Bank statements No tax returns, W-2s or pay stubs to show.
- Property types
- 1–4 unit properties
- Loan amount
- $75,000 to $2 million
- Loan-to-value
- Up to 80% of value Loan-to-value compares the loan amount with what the property is worth.
- Loan purpose
- Purchase or refinance
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Questions About This Program
Short answers, taken from what Clear Path publishes. For anything else, get in touch.
It is for self-employed individuals and business owners who prefer to use their bank statements to prove their qualifying income.
No. This program does not require tax returns, W-2s or pay stubs. Your bank statements show your qualifying income instead.
Business owners often write off many of their expenses. That lowers taxable income, and it also lowers the income a traditional lender counts as qualifying income.
The program covers 1–4 unit properties, for a purchase or a refinance. Loan amounts run from $75,000 to $2 million, up to 80% of the property's value.
Rates and fees depend on your situation, so none are published on this page. Request a quote and you will get your personalized rates and fees.
You can start the application online in about 5 to 10 minutes, or call or text (617) 379-6166 and talk it through first. Say you are asking about the Business Bank Statement Program.
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
Loan programs that work for Real Estate Investors, Business Owners and Self-Employed Professionals
At Clear Path Capital Partners, we offer investment and commercial financing solutions for almost every scenario.
Real estate investors, business owners, self-employed professionals are now empowered to finance their real estate deals using loan programs which do not require showing tax returns, W2's or pay stubs.
We finance 1-4 unit investment properties as well as multi family and commercial properties. On this page, you will learn about some of the loan programs we offer. Please feel free to contact us with any questions. If you have 5-10 minutes, you can also start the application process online.
See What Your Bank Statements Can Do
Tell us about your business and the property you have in mind. Get started online, or call to talk it through.
Begin your Loan Journey Today!
Whether you are a first time investor or an experienced real estate entrepreneur, we have the solutions for you.
Low & No Money Down Options
Popular with 1st Time Home Buyers
Borrowers with 5%-20%+ Down Payments
Self Employed & High Net Worth Borrowers
Business Bank Statement Program
DSCR Cashflow Program
(Using Property Cashflow Only)
1099 Statement Program
Construction & Renovation Loans
Rental Property & 2nd Home Financing
HECM Loans for Seniors
ITIN & Foreign National Buyers
Business Bank Statements Program
Bank statement loans are for self-employed individuals who prefer to use their bank statements to prove their qualifying income.
1-4 Unit Properties
Up to 80% of Value
$75,000 to $2 million loan amount
Purchase or Refinance
Business owners and self-employed professionals often write off many of their business expenses, therefore reducing their taxable income and their "qualifying" income.
Our Business Bank Statements Program enables borrowers to qualify for loans without the traditional income qualification standards. Speak with one of our Mortgage Advisors for more information.
DSCR (Debt Service Coverage Ratio) Program
Using a DSCR loan, an investor buyer can use the property's cashflow to qualify for the purchase or refinance loan, instead of having to show their tax returns or W2's.
1-4 Unit Properties
5+ Unit & Mixed Use Properties
Up to 80% of Value
$75,000 to $2 million loan amount
Purchase or Refinance
Income calculated on the property cashflow, not the borrower
30-year terms with Interest Only option
Speak with one of our Mortgage Advisors to discuss the benefits or choosing a DSCR loan.
1099 Statement Program
Perfect for Business Owners, Self-Employed Professionals and Independent Contractors.
Property Types - Single family, condo, townhouse, 2-4 unit properties
Loan Amounts – $75,000 to $3 million
Term – 5 & 7 year ARM and 30-Year Fixed Rate
Entities - available to individuals, trusts, corporations, limited partnership
Fix & Flip Program
Designed for investors who are in the business of buying distressed properties, repairing them and then either selling or holding for rental income.
Investment Properties – Single Family, Multi Family 2-4 units
Purchase Loan Amount – up to 85% of Cost based on experience
Rehab Loan Amount – up to 100% of Cost
12-month loan term with Interest Only option
Please contact one of our Mortgage Advisors to discuss financing for buying or refinancing a second home.
Hard Money Loan Program
Designed for investors looking to finance a property quickly without the red tape often associated with traditional lending standards.
1-4 Unit Properties
5+ Unit & Mixed Use Properties
Up to 80% of Property Value
Closing in 1-2 weeks
Contact one of our Mortgage Advisors to discuss our various renovation loan programs.
ITIN & Foreign National Buyer Program
This program offers the perfect solution for investors and borrowers without Social Security numbers but who have Individual Tax Identification Numbers, as well as for foreign nationals looking to purchase properties in the United States.
ITIN Program – For borrowers with Individual Tax Identification Numbers
Foreign National Program – Loan solutions designed for eligible foreign national buyers
Get in touch with us to learn more about our creative home financing options.
GET IN TOUCH
We’re here to answer all of your mortgage financing questions.
(617) 379-6166
About Us
Clear Path Capital Partners was founded by Antoine Doan, a mortgage industry veteran since 2000. Over the past 24 years serving homeowners and investors in Massachusetts and around the country, Antoine has helped thousands of property owners and investors secure their financing and build wealth through real estate.
Our team stands by ready to give you the personal attention you deserve and treat you with the respect due a valued customer.
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About Us
Contact Us
Connect With Us
Clear Path Capital Partners was founded by Antoine Doan, a mortgage industry veteran since 2000. Over the past 25 years serving homeowners and investors in Massachusetts and around the country, Antoine has helped thousands of property owners and investors secure their financing and build wealth through real estate.
Our team stands by ready to give you the personal attention you deserve and treat you with the respect due a valued customer.
Clear Path Capital Partners has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. CPCP may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at (617) 379-6166. This contact information is for accommodation requests only.