ALTDOC LOANSSend us the loan that fell out.
When a file falls out of bank guidelines, text Ken Schisler, Broker the basics. You get a real answer the same day where possible: terms when there is a path, a reason when there is not. Your client stays yours.
When to send a loan
Self-employed income, investors, seconds, bridge exits, and files that have already fallen out elsewhere.
DSCR
Investment-property financing built around property cash flow rather than traditional personal income documentation.
How it works (54 sec)Bank Statement
Deposit-based analysis for borrowers whose tax returns do not cleanly reflect actual cash flow.
How it works (54 sec)P&L
Profit-and-loss documentation options for qualifying self-employed scenarios.
How it works (54 sec)Second TD
Access equity while preserving an existing first mortgage where the transaction and program fit.
How it works (54 sec)Stated / No-Doc
Selected investment and business-purpose scenarios where asset, equity and structure carry more of the story.
How it works (54 sec)Bridge Takeout
Long-term exits for maturing private and hard-money notes when timing and certainty matter.
How it works (54 sec)Less ceremony. More answers.
A rescue workflow designed to make difficult scenarios faster to understand and easier to structure.
What to text first
- Property address
- FICO
- Occupancy
- Desired amount
- The income story
- What broke
- Any immediate deadline
Text it.
Address. Balance. Credit. Income story. Tell us what broke.
We run it.
The scenario enters the AltDoc workflow and supporting material gets organized for productive review.
We structure it.
Experienced mortgage people evaluate the available paths and tradeoffs.
You get an answer.
Terms when there is a path. A reason when there is not.
Two ways to hand off the file
Either way, the goal is the same: get to a real answer quickly and protect your client relationship.
Have the borrower apply.
Use the AltDoc borrower application when the client is ready to complete a fresh 1003 and enter their information securely.
Open borrower applicationYou already have the file.
Tell us who the borrower is and what you have. We'll create or locate the loan in ARIVE and return a loan-specific secure upload link for the documents.
Do not attach sensitive documents to ordinary email.
Request a secure upload link
File rescued. Client returned.
We answer to you, we update you, and your borrower hears about the takeout from you — not from us. That's the whole arrangement, and it's why LOs send us the next one.