Not every buyer fits neatly into the conventional lending box — and that’s where portfolio loans step in.

Last week, I hosted a call walking through some of the programs we’re using to help agents get more buyers approved and listings sold. The feedback was clear: these are the tools agents need in this market.

Here are a few of the programs making a real impact right now:

🏠 DSCR Loans – For investors and short-term rental buyers. No tax returns, qualify using market rents.

💰 Asset-Based Loans – Perfect for retirees or clients with strong liquidity. Use assets instead of income to qualify.

📈 Bank Statement Loans – Ideal for self-employed buyers. Qualify with 12–24 months of personal or business deposits — no W-2s required.

🌎 Foreign National Loans – 30% down, no U.S. credit or income needed, qualify based on rental potential.

Chances are, you already have a lead in your CRM who thinks they can’t qualify — or a listing that could attract a new pool of buyers if they knew these programs existed.

👉 Take action: Share this info with your buyers or reach out and let’s run the numbers together. These programs are working — and they’re helping agents win more business every week.