AltDoc Loans is a non-QM rescue desk in Costa Mesa, California. DSCR, bank-statement, P&L, second TDs, and bridge takeouts — same-day answers, the comp split printed on the term sheet, and your client stays yours.
When the file doesn't fit an agency box — income that lives in bank deposits, equity behind a first that shouldn't be touched, a private note coming due — there's a program for it here.
Qualify on the property's rent, not the borrower's tax returns. Purchase, rate-and-term, and cash-out for 1–4 unit investment property.
Twelve or twenty-four months of deposits stand in for W-2s. Built for business owners whose returns understate what they actually make.
CPA-prepared profit-and-loss programs when even bank statements tell the story sideways.
Tap equity behind a low-rate first that should never be refinanced. Quoted with live CLTV against the existing lien.
Business-purpose and investment property only. When the asset and the equity carry the deal — no tax returns, no bank statements.
Thirty-year exits for maturing private-money and hard-money notes. Investors paid, note retired, borrower returned.
The exit desk for private lenders →Around 75% of our volume is rescue and fallout referred by partners. That business model only works one way: the client is yours, and stays yours.
We close the file you couldn't, and hand the relationship straight back. We never market to your borrower. Ever.
When your borrower's next opportunity surfaces — a refi, a new purchase — it goes back to you, not into our pipeline.
Your split is printed on the term sheet itself. Never a mystery, never a renegotiation after the fact.
Address, balance, rough credit, what broke. That's it.
A yes comes with a term sheet. A no comes fast, with the reason — so you can re-plan while there's still runway.
The term sheet shows the rate, the payment, the fees, and your compensation — printed, not promised.
Your product menu is fixed and your fallout is real. Send the file that doesn't fit, keep the client, get paid on the rescue.
Maturing notes need exits. Thirty-year takeouts that pay your investors on time — and our too-ugly-for-non-QM files flow back to you.
Visit the exit desk →A deal-saving second opinion before the escrow dies. Agents: we do your loans too — ask anyone who's called for their own.
Send the scenario that's stuck on your desk right now. Worst case, you get a fast no and a reason. Best case, it gets the stamp.
Text the deal (949) 244-6405Borrower with a file that doesn't fit? Same number, same same-day answer.