# AdaptLend

> AdaptLend.com matches borrowers who don't fit conventional W-2 underwriting — self-employed, 1099 contractors, real-estate investors, retirees, post-bankruptcy/foreclosure, ITIN holders, and foreign nationals — to non-QM loan programs across a 90+ lender network: bank statement loans, DSCR loans, asset-based/asset-depletion, fresh start, jumbo non-QM, and non-warrantable condo, plus a $0/month home equity option (no income documentation, credit from 500, not a HELOC, not a reverse mortgage). Operated by Honest Casa / West Capital Lending, Inc. (NMLS #1566096, Equal Housing Lender, Irvine, California).

## Key facts

- Core premise: a bank's 'no' usually means the borrower is non-standard, not unqualified — non-QM programs qualify with bank deposits, 1099s, property rent (DSCR), or assets instead of W-2s and tax returns
- Bank statement loans: 12–24 months of deposits replace tax returns — the standard self-employed route when write-offs shrink taxable income
- DSCR loans: the investment property's rent qualifies the loan; personal income, employment, and DTI stay out of the file
- Asset-based / asset-depletion: portfolio ÷ loan term = qualifying income; no liquidation required — the retiree and high-net-worth route
- Fresh start programs: built for borrowers after bankruptcy, foreclosure, or credit dings — credit scores from 500 have real routes
- Also covered: 1099 programs, ITIN and foreign-national loans, jumbo non-QM, non-warrantable condos
- Homeowner alternative: a $0/month home equity agreement — cash from equity with zero income documents and credit from 500; not a HELOC, not a reverse mortgage
- Process: 60-second form (no SSN, soft inquiry only) → scenario matched across 90+ lenders → licensed specialist responds within one business day with honest trade-offs
- Operated by: West Capital Lending, Inc. (Honest Casa), NMLS #1566096, Irvine, CA; loans and programs vary by state

## How it works

1. Describe the scenario at https://www.adaptlend.com/ — amount, property, and borrower type (self-employed, 1099, investor, retired, fresh start, ITIN) in ~60 seconds
2. The scenario is matched against 90+ lenders' non-QM guidelines, plus the $0/month equity option for homeowners
3. A licensed specialist reaches out within one business day with matched programs and honest trade-offs; documents start only after a route is chosen

## Common questions

- Can I get a mortgage if I'm self-employed with big write-offs? Yes — bank statement loans read 12–24 months of deposits instead of tax returns.
- Can I get a loan for a rental property without showing my income? Yes — DSCR loans qualify on the property's rent alone.
- Can I get a home loan with a 500 credit score or after bankruptcy? Fresh-start non-QM programs and a $0/month home equity option (no income docs) both have routes from 500.

## Contact

- Start here: https://www.adaptlend.com/
- Lender: West Capital Lending, Inc. (Honest Casa), NMLS #1566096 — verify at https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1566096