Freedom from W-2 Rules
Bank Statement • DSCR • P&L Loans
We’ll find the right fit for you.
Real Estate Investors
DSCR and Fix & Flip Loans with no personal income verification. Qualify based on rental income with our DSCR loans.
ITIN Loans – No SSN required
Foreign Nationals & ITIN borrowers welcome. Start United States your path to homeownership today!
Self-Employed?
Use bank statements or P &L only for home purchase and refinance– no tax returns required
Testimonials
Christine made my home-buying experience a breeze! Her team understood my unique situation as a self-employed borrower and guided me every step of the way. I couldn’t be happier with my new home!
Samantha H.
I was tired of being turned away by traditional lenders. Stacy Ann understood my needs as an investor and found the perfect solution for me. The process was quick and easy. I highly recommend them!
Steven M.
From start to finish, Anthony provided exceptional service. They took the time to understand my financial situation and helped me secure a loan that worked for me. I’m so grateful for his support!
Jennifer F.
Empowering Your Home Financing Journey with Non-Traditional Solutions
At Jhenesis Mortgage, we believe everyone deserves a chance to own their dream home. With our non-QM mortgages that use 12–24 month bank statements, rental income (DSCR), assets, or ITINs , we break the mold of traditional lending. Our dedicated team is here to guide you through every step, ensuring a smooth and hassle-free experience tailored to your needs. Stop getting denied because you don’t have W-2s.
Serving Florida • Georgia • Maryland • Washington D.C.
DSCR Loan Calculator
Calculate your Debt Service Coverage Ratio instantly – No personal income required
