Alternative Documentation Loans

Access alternative documentation financing options designed for investments residential, multi-family, and mixed-use  properties. Silver Capital Funding connects investors with programs that simplify qualification while supporting a wide range of financial profiles.

Simplified Financing for Investors

Why Choose Silver Capital Funding for Alt-Doc Programs?

Silver Capital Funding  offers investors  structured financing options that prioritize simplicity and flexibility. Our alternative documentation programs are designed to help investors move forward efficiently while maintaining a professional and transparent process.

Alternative documentation (Alt-Doc) loan programs are a type of non-Qualified Mortgage (Non-QM) that use non-traditional methods to verify a borrower’s ability to repay, making them a flexible option for self-employed individuals, small business owners, and real estate investors. 

Properties: Small Balance  Commercial, multi family , mixed use, Non Owner occupied/investment residentials

Program Characteristics:  Loan amounts $100,000- $5,000,000,

No Tax Returns

30 Year Fully Amortized Fixed,

No Balloon,

Easy Qualify,

Lenders may accept documents such as:

Personal or business bank statements (typically 12 or 24 months)

CPA-certified profit and loss (P&L) statements 

  • Asset depletion statements, which consider a borrower’s total assets (investments, retirement accounts) to determine repayment ability
  • Lease agreements for rental income qualification 
  •  1099 form only, without requiring full tax returns

  These solutions are ideal for investors seeking access to streamlined  financing to acquire, refinance or cash out  for investments residential, multi-family or mixed-use properties with Reduced  documentation requirements.

What You Get With Silver Capital Funding

Alternative Documentation Programs Available

Program availability varies based on property type and transaction structure

Our Simple Apply Process

Follow our simple three-step process to review your goals, select your program, and secure funding efficiently.

Apply

Fill up the application form to get started. Simply submit your initial details to begin the funding process immediately.

Application Review

We review your goals and present you with programs matching your needs, getting you an offer in 24 hours.

Receive Funding

Choose the program that fits you best and receive your funding within 48 hours of making your final selection.