Not your average mortgage options.
Loans That Think Outside the Box.
Whether you’re self-employed, a real estate investor, a foreign national, or just don’t fit the “W-2” box, Exception Lending offers flexible financing that meets you where you are. From rental income loans to bank statement and asset-based solutions, we’re here to make sure smart, strategic borrowers can get approved—no matter how unconventional the path.
Not sure where to start?
Answer our 3 quick questions and drop your email — we’ll help sort out your options (no pressure, promise).
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Find a Loan That Fits Your Life
Creative loan solutions for when traditional options don’t cut it.
DSCR Loans – Rental Cash Flow Financing
Qualify based on rental income, not personal income.
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No tax returns or employment income required
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Qualify using rental property cash flow
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Eligible for SFRs, condos, and multi-unit residential properties
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Best for: Investors with low net taxable income


Bank Statement Loans – Deposits as Income
Use 12 months of deposits to show your earning power.
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Qualify using personal or business bank statements
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Income based on monthly deposits, not tax returns
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Can be combined with W-2 or other traditional income
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Best for: Self-employed borrowers who need to show more income than tax returns reflect
Asset Depletion Loans – Turn Wealth Into Income
Leverage existing assets without selling them.
- Convert eligible assets into qualifying income
- Divide asset value by as few as 60 months
- Combine with other income sources for added flexibility
- Avoid capital gains by borrowing instead of liquidating
- Best for: High-net-worth borrowers looking to boost qualifying income


ITIN Loans – For Foreign Nationals
No Social Security number? No problem
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Use an ITIN (Individual Taxpayer Identification Number)
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No U.S. income or SSN required
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Finance U.S. properties from abroad
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Best for: Foreign nationals investing in U.S. real estate
Ready to explore your options or take the next step?
Learn more about each loan—or apply when you’re ready.