AdaptLend → Guides
Guides to the loans banks don't explain
By your situation
Self-employed mortgage guide
The write-off paradox and all five paths around it — start here if you own a business.
Bank statement loans
Qualify with 12–24 months of deposits instead of tax returns.
1099 mortgages
Contractors: your 1099s qualify you directly — no returns.
Asset-based loans
Retired or living off savings? Your assets become income on paper.
Fresh start loans
Mortgage waiting periods after bankruptcy or foreclosure — and how to shorten them.
ITIN mortgages
Buying a U.S. home without a Social Security number.
Foreign national loans
Financing U.S. property from abroad — no U.S. credit history needed.
For investors
DSCR investor loans
The rent qualifies the loan, not your W-2. LLC-friendly, STR-friendly.
Non-warrantable condos
Condotels, litigation, investor-heavy buildings — still financeable.
Jumbo non-QM
Seven-figure loans with flexible documentation and interest-only options.
No-doc loans in 2026
What died in 2008, what legally replaced it, and what "light doc" really costs.