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
Loan Programs for Investors, Business Owners and the Self-Employed
Clear Path Capital Partners offers investment and commercial financing for almost every scenario, with loan programs that do not require tax returns, W-2s or pay stubs.
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.
- Six loan programs to choose from
- No tax returns, W-2s or pay stubs to show
- 1–4 unit, multifamily and commercial properties
- Serving Massachusetts and clients nationwide
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.
Six Programs, Built Around How You Earn and Invest
Whether you are a first-time investor or an experienced real estate entrepreneur, there is a program for you.
For Real Estate Investors
From a first rental to a multi-unit building, these programs are built around the property and the deal.
-
DSCR Program
Qualify on the property's cash flow, not your personal income.
- 1–4 unit, 5+ unit and mixed-use
- $75,000 to $2 million
- 30-year terms
-
Fix & Flip Program
Financing for the purchase and the repairs of a distressed property.
- Purchase up to 85% of cost
- Rehab up to 100% of cost
- 12-month term
-
Hard Money Loan Program
Finance a property quickly, without the usual red tape.
- Closing in 1 to 2 weeks
- Up to 80% of property value
For Self-Employed Borrowers and Business Owners
Business owners often write off many of their expenses, which lowers the income a traditional lender counts. These programs look at how you really earn.
-
Business Bank Statement Program
Use your bank statements to prove your qualifying income.
- 1–4 unit properties
- $75,000 to $2 million
- Up to 80% of value
-
1099 Statement Program
For business owners, self-employed professionals and independent contractors.
- $75,000 to $3 million
- ARM or 30-year fixed
- Individuals and entities
For ITIN Holders and Foreign Nationals
Having no Social Security number does not have to mean having no financing.
-
ITIN & Foreign National Buyer Program
For borrowers with an ITIN, and for eligible foreign national buyers.
- ITIN Program
- Foreign National 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.
The Programs Side by Side
A quick way to see which one matches your situation.
| Program | Made for | Based on | Property types | Published figures |
|---|---|---|---|---|
| DSCR Program | Real estate investors | The property's cash flow | 1–4 unit, 5+ unit and mixed-use properties | $75,000 to $2 million. Up to 80% of value. 30-year terms with an interest-only option. |
| Fix & Flip Program | Investors who buy distressed properties, repair them, then sell or rent them | The cost of the purchase and the rehab | Single-family and 2–4 unit investment properties | Purchase up to 85% of cost, based on experience. Rehab up to 100% of cost. 12-month term with an interest-only option. |
| Hard Money Loan Program | Investors who need to finance a property quickly | The property's value | 1–4 unit, 5+ unit and mixed-use properties | Up to 80% of property value. Closing in 1 to 2 weeks. |
| Business Bank Statement Program | Self-employed borrowers and business owners | Your bank statements | 1–4 unit properties | $75,000 to $2 million. Up to 80% of value. Purchase or refinance. |
| 1099 Statement Program | Business owners, self-employed professionals and independent contractors | Your 1099 statements | Single-family homes, condos, townhouses and 2–4 unit properties | $75,000 to $3 million. 5-year and 7-year ARM, or 30-year fixed. |
| ITIN & Foreign National Buyer Program | Borrowers with an ITIN and no Social Security number, and foreign nationals buying in the United States | An ITIN, or foreign national eligibility | Ask us | Not published. Ask us for current terms. |
Program details can change, and no interest rates are published here. Ask for your personalized rates and fees.
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.
Not sure where to start?
Talk It Through With Antoine
Antoine Doan has worked in the mortgage industry since 2000. Tell him how you earn and what you want to finance, and he and the team will help you explore your options.
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 the Loan Programs
Short answers, taken from what Clear Path publishes. For anything else, get in touch.
It depends on how you earn and what you are financing. Self-employed borrowers usually start with the Bank Statement or 1099 programs. Investors look at DSCR, Fix & Flip or Hard Money. If you are not sure, the team can help you explore your options.
No. Clear Path offers loan programs that do not require tax returns, W-2s or pay stubs.
Clear Path finances 1–4 unit investment properties as well as multifamily and commercial properties. Each program lists the property types it covers.
Yes. Whether you are a first-time investor or an experienced real estate entrepreneur, there are solutions for you.
Clear Path is based in Braintree, Massachusetts, and serves homeowners and investors in Massachusetts and nationwide.
Rates and fees depend on your situation, so none are published on this site. 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.
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.
Ready to Start Your Loan Journey?
Tell us how you earn and what you want to finance. We will help you find the program that fits.
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
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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.