Loan Programs

Every program we offer starts from the same idea: real estate investors and self-employed borrowers should be evaluated on how they actually earn, not forced into a W-2 template. Since 2005, Evoque Lending has focused on two families of financing. DSCR loans qualify you on a property’s rental income, which keeps your personal tax returns out of the file and works well for purchases, refinances, cash-out, short-term rentals, and LLC ownership. Non-QM programs use alternative income documentation; bank statements, liquid assets, or 1099s; for borrowers whose returns understate what they really make, including foreign nationals and those rebuilding after a credit event. Guidelines vary by scenario, so browse the programs below or skip straight to a conversation with our team.