Most lenders offer a handful of programs and hope you fit. We built FlexPoint differently — 20+ loan options from first-time buyer programs to complex investor financing. We find the loan that fits your life.
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Our Programs
Browse by category. If you're not sure where you fit, just reach out — matching borrowers to the right program is exactly what we do.
Your write-offs work against you on paper. Bank statement loans qualify on actual deposits — no tax returns needed.
Qualify on rental income — not personal income, not tax returns. First-time investors welcome. STRs allowed.
Larger residential buildings and mixed-use properties with commercial space — qualify on cash flow.
1 or 2 years of 1099s — no full tax return required. Built for contractors and gig workers.
CPA-prepared profit & loss statement — no tax returns, no 4506-C required.
Investment property financing for non-U.S. residents — foreign credit accepted.
Standard and high-balance conforming loans with the best long-term terms for qualified borrowers.
Above conforming limits — full doc or bank statements accepted, competitive rates.
Broad credit eligibility, low down payment, and manual underwriting available — no overlays.
$0 down, no PMI, competitive rates — for veterans and active-duty service members.
Zero down payment for eligible rural and suburban properties — lower MI than FHA.
A real path to homeownership for borrowers who file taxes with an ITIN — no SSN required.
Tap existing equity in your primary, vacation, or investment property — flexible income docs accepted.
Higher loan amounts and more flexible DTI than agency — with standard income documentation.
Bundle up to 25 rental properties into one loan — one closing, one payment, one process.
FHA 100% financing — 96.5% first mortgage plus a 3.5% or 5% second for the down payment.
Who We Work With
No two borrowers are the same. Here's who we help most — and why having 20+ programs matters.
You're Self-Employed
Write-offs hurt you on paper. Bank statement, 1099, and P&L loans use what you actually earn.
You're a First-Time Buyer
FHA, USDA, and DPA programs make homeownership more reachable — even with a small down payment.
You're a Veteran
$0 down, no PMI, great rates. VA is one of the best loan benefits in existence and we use it right.
You're a Real Estate Investor
DSCR, cross-collateral, and mixed-use programs let you scale without personal income hurdles.
You're Retired or Asset-Rich
Asset utilization converts savings and investments into qualifying income — no W-2 required.
You're an ITIN or Foreign National Borrower
We have programs designed specifically for non-U.S. borrowers — with or without a Social Security number.
You Have Equity You Want to Tap
Home equity loans that accept bank statements and DSCR income — not just tax returns.
Traditional Lenders Turned You Down
A past credit event or non-traditional income doesn't close every door. Let's look at what's possible.
The FlexPoint Difference
Nearly 30 years and over $5 billion in funded loans. Here's what that means for you.
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By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions we hear most from borrowers just like you.
Licensed & Regulated
NMLS #243082 — fully licensed and compliant across all states where we operate.
Nearly 30 Years of Experience
In business since 1996 with over $5 billion in real estate loans funded.
Integrity & Transparency
Every member of this team is held to the same standard — honest advice, no pressure, real results.
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