Qualify on Your Terms.
Not the IRS's.
Traditional lenders require W-2s and tax returns. Seth Capital Group qualifies self-employed borrowers, investors, and entrepreneurs on what they actually earn — not what they write off.
Your write-offs shouldn't disqualify your investment.
Self-employed borrowers and real estate investors legally minimize taxable income — which means conventional lenders often show them the door. Alt-doc loans are designed for this reality. We verify income using bank statements, 1099s, profit & loss statements, or your asset base — whichever paints the most accurate picture of your financial strength.
Four Paths to Qualification
Each program accepts different documentation. Choose the one that best reflects how your income actually flows.
We calculate your qualifying income using 12 or 24 months of personal or business bank statements — no Schedule C, no write-off penalties. Ideal for borrowers with high deposits and low reported AGI.
- Self-employed borrowers with high deposits, low AGI
- Sole proprietors and S-corp owners
- Service-based business owners (cash-heavy revenue)
- Investors who max out deductions every year
Qualify using a CPA-prepared profit & loss statement. This is the cleanest path for business owners with complex structures who want to present a clear income picture without opening up their full tax history.
- Multi-entity business owners with complex tax returns
- Borrowers with strong net income but layered deductions
- Investors expanding a rental portfolio via LLC
- Anyone preferring CPA-verified documentation
Built for 1099 independent contractors and gig economy earners. We use your 1099 income over 12–24 months to establish qualifying income — with no tax return requirement and no self-employment penalty.
- 1099 contractors, consultants, and freelancers
- Real estate agents buying investment properties
- Commission-only earners in any industry
- Gig workers with consistent 1099 history
Have significant liquid assets but limited reportable income? We convert your verified asset base into a qualifying income figure — no employment, no income stream required. Income is calculated by dividing eligible assets over a set term.
- Early retirees with liquid brokerage or retirement accounts
- High-net-worth investors with low W-2 or 1099 income
- Borrowers living off investment returns or dividends
- Business owners who take minimal personal salary
Who These Loans Are Built For
Ideal Borrower Profile
- Self-employed business owner with 2+ years history
- Real estate investor purchasing under an LLC
- Independent contractor or high-earning 1099 worker
- High-net-worth borrower with strong liquid assets
- 600+ FICO with verifiable income or asset documentation
- Borrowers purchasing or refinancing investment properties only
Not the Right Fit
- Owner-occupied / primary residence financing
- FICO below 600 (contact us — we may have options)
- W-2 employees with conventional qualifying income
- Borrowers in restricted states (CA, ID, OR, WA, and others)
- No verifiable income, assets, or qualifying documentation
Alt-Doc Program Matrix
Side-by-side breakdown of documentation requirements and key parameters for each program.
| Program | Documentation | Min FICO | Max LTV | Loan Range | Best For |
|---|---|---|---|---|---|
| Bank Statement | 12 or 24 months of bank statements | 600 | 85% | $100K–$2.5M | Self-Employed |
| P&L Only | CPA-prepared profit & loss statement | 620 | 80% | $100K–$2M | Business Owners |
| 1099 Only | 12–24 months of 1099 forms | 600 | 85% | $100K–$2.5M | Contractors |
| Asset Depletion | Verified liquid asset statements | 640 | 80% | $125K–$3M | HNW / Retired |
From Inquiry to Closed in 20 Days
Our streamlined process is built for investors who move fast and expect the same from their lender.
Submit Inquiry
Complete the short form below. No SSN required at this stage — we'll tell you which program fits in 24 hours.
Choose Your Doc Type
We identify the best documentation path — bank statements, 1099s, P&L, or asset statements — based on your profile.
Submit & Process
Upload documents to your secure borrower folder. Our team processes and submits to underwriting within 48 hours.
Close & Fund
Target close in 20 business days from complete file. LLC entities, trusts, and partnerships are all welcome at the closing table.
Ready to Qualify Without a Tax Return?
Tell us about your deal and we'll identify the right alt-doc program for your situation — usually within one business day.
Get Pre-Qualified TodaySeth Capital Group LLC is not a licensed mortgage lender or broker. All loans are business purpose only and are originated through licensed wholesale lending partners. Loan parameters shown are subject to change and represent program guidelines — not guaranteed rates or terms. Programs are available in select states only. Not available in CA, ID, MN, NV, ND, OR, SD, UT, VT, WA, or AZ for certain programs. This is not an offer to lend or a commitment to make a loan.