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ReviewMyMortgage Smart Program Index

Search by the problem you are trying to solve.

Explore consumer-facing mortgage programs, assistance options, and specialty paths. The index helps you ask better questions—it does not promise approval.

How to use the index

Filter by state, goal, or situation. Open a program to see why it may help and what still needs lender, agency, property, and documentation review.

Browse by program family

Start broad, then narrow the fit.

Active filters:Flexible income

49 possible program records

Results are informational and may include lender- or location-specific requirements.

Not sure how to filter? Start the assessment
Flexible income

A&D Mortgage DSCR Purchase Loan

Investor purchase financing qualified from the subject property's rental cash flow rather than traditional borrower income or employment documentation.

Investment-property solution
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

1-Year Express Docs Purchase Loan

1-Year Express Docs Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

1-Year Self-Employed Purchase Loan

1-Year Self-Employed Purchase Loan is a bank statement / non-QM loan program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

12-Mo 1099 Purchase Loan

12-Mo 1099 Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

12-Mo Bank Statement Purchase Loan

12-Mo Bank Statement Purchase Loan is a bank statement / non-QM loan program for real estate investors seeking purchase financing where available, with alternative income documentation for self-employed borrowers.

Alternative income documentation
Manufactured-home pathway
Purchase
See why it might fitReview required
Flexible income

24-Mo Bank Statement Purchase Loan

24-Mo Bank Statement Purchase Loan is a bank statement / non-QM loan program for real estate investors seeking purchase financing where available, with alternative income documentation for self-employed borrowers.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Access Investor Cash Flow (DSCR) Program

Access Investor Cash Flow (DSCR) Program is a DSCR investor loan program for real estate investors seeking purchase financing where available, with qualification based primarily on rental-property cash flow rather than personal DTI.

Investment-property solution
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Angel Oak - 1099 Income Loan

Angel Oak - 1099 Income Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Angel Oak - Asset Qualifier Mortgage Loan

Angel Oak - Asset Qualifier Mortgage Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Angel Oak - Business Bank Statement Elite

Angel Oak - Business Bank Statement Elite is a bank statement / non-QM loan program for real estate investors seeking purchase financing where available, with alternative income documentation for self-employed borrowers.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Angel Oak - Investor Cash Flow (DSCR) Loan

Angel Oak - Investor Cash Flow (DSCR) Loan is a DSCR investor loan program for real estate investors seeking purchase financing where available, with qualification based primarily on rental-property cash flow rather than personal DTI.

Investment-property solution
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Angel Oak - Portfolio Select Mortgage Loan

Angel Oak - Portfolio Select Mortgage Loan is a portfolio mortgage program for real estate investors seeking purchase financing in 47 states, with program-specific eligibility, pricing, and underwriting terms.

Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Asset Qualifier Purchase Loan

Asset Qualifier Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Asset-Only Purchase Loan

Asset-Only Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Compeer RuraLiving Hobby Farm Program

Compeer RuraLiving Hobby Farm Program is a portfolio mortgage program for eligible borrowers seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Rural or suburban eligibility
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Cooperative Purchase Loan

Cooperative Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

First National Bank of America Near Miss Program

First National Bank of America Near Miss Program is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Flexible-credit pathway
Manufactured-home pathway
Purchase
See why it might fitReview required
Flexible income

Foreign National DSCR Purchase Loan

Foreign National DSCR Purchase Loan is a DSCR investor loan program for real estate investors seeking purchase financing where available, with qualification based primarily on rental-property cash flow rather than personal DTI.

Investment-property solution
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Foreign National Purchase Loan

Foreign National Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Full Doc Non-QM Purchase Loan

Full Doc Non-QM Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Hobby Farm Purchase Loan

Hobby Farm Purchase Loan is a portfolio mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.

Rural or suburban eligibility
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

Long-Term Rental DSCR Purchase Loan

Long-Term Rental DSCR Purchase Loan is a DSCR investor loan program for real estate investors seeking purchase financing where available, with qualification based primarily on rental-property cash flow rather than personal DTI.

Investment-property solution
Purchase
30-Year Fixed
See why it might fitReview required
Flexible income

NewRez SmartEdge 1-Year Self-Employed Refinance

NewRez SmartEdge 1-Year Self-Employed Refinance is a bank statement / non-QM loan program for real estate investors seeking refinance financing where available, with program-specific eligibility, pricing, and underwriting terms.

Alternative income documentation
Rate & Term Refinance
30-Year Fixed
See why it might fitReview required
Flexible income

NewRez SmartEdge Refinance

NewRez SmartEdge Refinance is a portfolio mortgage program for real estate investors seeking refinance financing where available, with program-specific eligibility, pricing, and underwriting terms.

Rate & Term Refinance
30-Year Fixed
See why it might fitReview required

The Program Index is a decision-support tool—not an approval engine.

Program availability, source versions, pricing, credit treatment, income calculations, loan limits, property rules, lender overlays, and required documents change. Do not rely on a card or filter as a final eligibility decision.

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Educational estimates and program information only. LoanBot does not make credit decisions or promise approval, pricing, savings, or program availability. Final eligibility, terms, costs, and documentation are determined by a licensed mortgage professional and the applicable lender, agency, or investor.

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