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Financing for Self-Employed Business Owners
& Real Estate Investors

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Empowering Self-Employed Business Owners & Real Estate Investors!

Clear Path Capital Partners provides financing for real estate entrepreneurs to buy and finance investment and commercial properties. Contact our team today!

Clear Path Capital Partners Massachusetts & Nationwide

Mortgage Financing for Real Estate Investors and Self-Employed Business Owners

Qualify with a property's cash flow, business bank statements or 1099s without tax returns,W-2s or pay stubs.

Mortgage Loan Solutions

for Real Estate Investors and

Self-Employed Business Professionals

Business owners and self-employed professionals have long been at a disadvantage when it comes to obtaining mortgage financing for their investment and commercial real estate portfolio. Difficult and stringent conventional guidelines have left many investors unable to obtain a loan, or forced to use cash to finance their real estate deals.

Clear Path Capital Partners' mission is to bring to market the Mortgage Solutions specifically designed and tailored to empower Business Owners, Self-Employed Professionals and Investors.

Not sure which program is right for you? Our team can help you explore your options and find the solution that best meets you needs.

  • In the mortgage industry since 2000
  • Serving Massachusetts and nationwide
  • No tax returns, W-2s, or pay stubs required
  • 1–4 unit, multifamily and commercial properties

Begin your Loan Journey Today!

Whether you are a first time investor or an experienced real estate entrepreneur, we have a full menu of solutions for you.

Mortgage Loan Solutions for Real Estate Investors and Self-Employed Professionals

Clear Path Capital Partners exists to bring loan programs to market that are designed for business owners, self-employed professionals and investors.

For Real Estate Investors

Whether you are buying your first investment property or adding to a portfolio, there is a program to match the deal.

Qualify on the property's cash flow, finance a purchase together with its repairs, or move quickly when timing matters.

See Investor Programs

For Self-Employed Borrowers and Business Owners

Business owners often write off many of their expenses. That lowers taxable income, and with it the income a conventional lender will count.

These programs look at your business bank statements or 1099s instead, so you can qualify without the usual income paperwork.

See Self-Employed Programs

Not sure which program is right for you? The team can help you explore your options. Talk to Clear Path

Customer Feedback

"

"My wife and I were intimidated by the whole process and searching for homes, but everything just fell into place after meeting with Teena and Antoine for the first time. I was astonished by how fast they were able to process all the paperwork. They are thorough and let you know what they need from you to get the everything in line.


Team Antoine was amazing, and I would not only recommend them to others, but I would go through them if we ever needed to buy another home. And if I did not say it enough at the time, "thank you so much Team Antoine, in helping my family start a new chapter in our lives and in our first home."

"

"Vanessa and I just closed with team Antoine & Teena. They are the best! We have had very difficult experiences in the past with banks and I was expecting to get the same when I first started refinancing. I'm glad to say our experience was nothing but stellar. It was such a smooth process I still can't believe it. From handling our paperwork, being in constant contact (even with a little humor), to making sure everything was fine for the underwriter, to closing, etc ... everything was top notch.


Thanks guys! Would definitely recommend to others.

"

“My husband and I experienced a great struggle before being saved by Team Antoine & Teena. We went through six months of not knowing if we were able to get a loan for our dream home. We worked with two different mortgage companies that turned us down and did not work around the clock or have the drive as Team Antoine did to complete our family. Team Antoine mended our hiccups and were the peanut butter to our jelly. They were knowledgeable and knew exactly what they were doing down to a tee. We will never forget how quickly they turned everything around for us and how much they made us feel like not only clients but family as well. Thank you for ending our sleepless nights and making it happen for the Dodge Family! I only wish for your team to strive with prosperity! You all deserve it! We will forever be thankful!“

Loan Programs

A full menu of solutions, whether you are a first-time investor or an experienced real estate entrepreneur.

For investors

DSCR Program

A Debt Service Coverage Ratio loan qualifies on the property's cash flow, not your personal income, so there are no tax returns or W-2s to show.

  • 1–4 unit, 5+ unit and mixed-use properties
  • Purchase or refinance
  • Up to 80% of the property's value
  • Loan amounts from $75,000 to $2 million
  • 30-year terms, with an interest-only option

View Program : DSCR Program

For the self-employed

Business Bank Statement Program

For self-employed borrowers who would rather show their income with business bank statements than with tax returns, W-2s or pay stubs.

  • 1–4 unit properties
  • Purchase or refinance
  • Up to 80% of the property's value
  • Loan amounts from $75,000 to $2 million

View Program : Business Bank Statement Program

For independent contractors

1099 Statement Program

Made for business owners, self-employed professionals and independent contractors.

  • Single-family homes, condos, townhouses and 2–4 unit properties
  • Loan amounts from $75,000 to $3 million
  • 5-year and 7-year ARM, or 30-year fixed rate
  • Open to individuals, trusts, corporations and limited partnerships

View Program : 1099 Statement Program

For investors

Fix & Flip Program

For investors who buy distressed properties, repair them, then sell them or hold them as rentals. Financing covers both the purchase and the rehab.

  • Single-family and 2–4 unit investment properties
  • Purchase loans up to 85% of cost, based on experience
  • Rehab loans up to 100% of cost
  • 12-month term, with an interest-only option

View Program : Fix & Flip Program

For investors

Hard Money Loan Program

For investors who need to finance a property quickly, without the red tape that often comes with traditional lending.

  • 1–4 unit, 5+ unit and mixed-use properties
  • Up to 80% of the property's value
  • Closing in 1 to 2 weeks

View Program : Hard Money Loan Program

For ITIN holders and foreign nationals

ITIN & Foreign National Buyer Program

For borrowers who have no Social Security number, and for foreign nationals buying property in the United States.

  • ITIN program: for borrowers with an Individual Taxpayer Identification Number
  • Foreign national program: for eligible foreign national buyers

View Program : ITIN & Foreign National Buyer Program

Compare all loan programs

Why Borrowers Choose Clear Path

Financing that fits the way business owners and investors really work.

  • Loan programs designed for investors, business owners and self-employed professionals
  • Qualify with property's cash flow, bank statements or 1099s
  • Programs that do not ask for tax returns, W-2s or pay stubs
  • Financing for 1–4 unit, multifamily and commercial properties
  • Options for first-time investors and experienced real estate entrepreneurs
  • Help choosing the program that fits your goals
Antoine Doan, Funding Manager at Clear Path Capital Partners

Meet Antoine Doan

Funding Manager, Clear Path Capital Partners

You may have heard how hard a mortgage can be: strict qualifying rules, piles of paperwork, delays, and shopping around for a fair rate. Antoine's job is to take that weight off you.

He has worked in the mortgage industry since 2000, serving homeowners and investors in Massachusetts and nationwide. In that time he has helped thousands of property owners and investors secure financing and build wealth through real estate.

Whether you need a mortgage for your next investment, or want to refinance for a better rate or to take cash out of a property, he can help.

Frequently Asked Questions

Quick answers about Clear Path's loan programs. If yours is not here, get in touch.

Clear Path works with business owners, self-employed professionals and real estate investors, from first-time investors to experienced real estate entrepreneurs.

Yes. Clear Path offers loan programs that do not require tax returns, W-2s or pay stubs. Depending on the program, you qualify with business bank statements, 1099s or the cash flow of the property itself.

DSCR stands for Debt Service Coverage Ratio. With a DSCR loan, an investor uses the property's cash flow to qualify for a purchase or refinance, instead of showing personal tax returns or W-2s.

Clear Path finances 1–4 unit investment properties as well as multifamily and commercial properties. Each program lists the property types it covers, so ask the team about your property.

Yes. The Fix & Flip Program is for investors who buy distressed properties, repair them, then sell them or keep them as rentals. It covers both the purchase and the rehab.

There is a program for borrowers who have an Individual Taxpayer Identification Number (ITIN), and one for eligible foreign nationals buying property in the United States.

Clear Path is based in Braintree, Massachusetts, and serves homeowners and investors in Massachusetts and nationwide.

You can start your application online in about 5 to 10 minutes, request a quote, or call (617) 379-6166 to talk through your options.

Ready to Start Your Loan Journey?

Whether this is your first investment property or your next one, there is a program built for your situation. Apply online, request a quote, or call to talk through your options.

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.

150 Wood Road Suite 101

Braintree, MA 02184

(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.

Contact Us

150 Wood Road Suite 101

Braintree, MA 02184

(617) 379-6166

Connect With Us

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.