10/03/2025
AZLoan’s products stand out because they’re designed for borrowers who don’t fit the “traditional” mortgage box but are still strong credit risks. Here’s why they’re considered good — especially in the non-QM / investor lending space:
🔑 What Makes AZloan’s Products Attractive
1. Flexible Income Options
Bank Statement Loans → Self-employed borrowers can qualify using business or personal bank deposits instead of tax returns.
P&L Loans → Borrowers can qualify using a CPA or self-prepared Profit & Loss statement, with or without bank statements.
No Income / No Employment Verification (ALLY program) → For select qualified borrowers, underwriting doesn’t require traditional job or income proof.
👉 This helps business owners, freelancers, and investors who write off expenses or don’t show high W-2 income.
2. Real Estate Investor Friendly
DSCR Loans → Based on property cash flow (rents vs. mortgage payment), not personal income. Great for investors scaling portfolios.
No housing history needed → Borrowers living rent-free or with no rent/mortgage history don’t get penalized.
Recent / currently listed properties → No hit to LTV or rate if the home was just on the market.
👉 This is huge for investors buying, refinancing, or scaling multiple properties.
3. High LTVs & Credit Flexibility
Up to 85% LTV on certain programs (including ITIN borrowers).
Credit scores as low as 620 in some cases.
Asset Depletion option → Assets can be used to boost income for DSCR qualification.
👉 Lets more borrowers leverage higher financing, even without perfect credit.
4. Specialty Borrower Programs
ITIN Loans → For borrowers without Social Security numbers.
Foreign National Loans → For overseas buyers investing in U.S. real estate.
👉 Opens the door for immigrant communities and investors worldwide.
5. Speed & Simplicity
No seasoning requirements → On appraised value or chain of title.
Streamlined underwriting focused on alternative documentation.
👉 Saves time and keeps deals moving in competitive markets.
✅ Bottom line: AZLoan’ products are “good” because they solve real pain points for self-employed borrowers, investors, and underserved buyers who can’t get approved with traditional lenders — but still have the income, assets, or property performance to support a loan.