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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.

  • No tax returns or employment income required

  • Qualify using rental property cash flow

  • Eligible for SFRs, condos, and multi-unit residential properties

  • Best for: Investors with low net taxable income

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Bank Statement Loans – Deposits as Income

Use 12 months of deposits to show your earning power.

  • Qualify using personal or business bank statements

  • Income based on monthly deposits, not tax returns

  • Can be combined with W-2 or other traditional income

  • 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
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ITIN Loans – For Foreign Nationals

No Social Security number? No problem

  • Use an ITIN (Individual Taxpayer Identification Number)

  • No U.S. income or SSN required

  • Finance U.S. properties from abroad

  • 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.