Platinum Advantage
This program is built to accommodate real-life complexities like alternative income documentation, diverse property types, and unique borrower structures.
Ideal Borrower Profile
Self-Employed Borrowers
Individuals whose income doesn’t translate well through tax returns but is easily supported through bank statements or 1099s.
Experienced Real Estate Investors
Those who own multiple properties and want access to flexible DSCR-based options for purchases or cash-out refinances.
High Net Worth Individuals
Borrowers who prefer to qualify using asset depletion strategies or need flexible terms for luxury homes, second residences, or income-producing properties.
Foreign Nationals & Global Investors
International borrowers who live and work outside the U.S., but want to invest in U.S. real estate.
LLC or Business-Entity Borrowers
Real estate entrepreneurs purchasing or refinancing through a corporate structure.
Buyers of Non-Traditional Property Types
Borrowers seeking financing for condos, condotels, rural, or modular homes that don’t meet conventional guidelines.
Offer Versatility Across Multiple Property Types
Get your Quick Quote In Under 3 Minutes!
Don’t let finding the right loan program stress you out, get a free, no-obligation quote from the nations most trusted lender!
Solutions For Borrowers
Most borrowers who fall outside conventional lending guidelines are forced to either delay their goals or accept less-than-optimal terms. This product removes many of those common barriers:
✅ Traditional Docs Don’t Tell the Full Story. Platinum Advantage gives borrowers the option to use alternative income documentation. This is ideal for clients who manage fluctuating income, are self-employed, or use tax strategies that reduce their reportable income.
✅ Limited Options for Second Homes and Investments. The program allows for a wide variety of occupancy types—including second homes and investment properties—with flexible qualification paths.
✅ Condos, Non-Warrantables, and Rural Properties Often Get Denied. Platinum Advantage accepts a broader range of property types, including warrantable and non-warrantable condos, condotels, rural homes, and even ground lease properties. It expands opportunity where others restrict.
✅ Cash-Out Needs with Documentation Friction. Borrowers needing liquidity can access cash-out options without excessive conditions, and income can be supported through non-traditional channels like DSCR or asset utilization—making approvals faster and more aligned with investor strategies.
✅ Entities and Foreign Nationals Face Limited Options. This program allows borrowing through LLCs, corporations, and partnerships (with a personal guarantee), and it also supports eligible foreign nationals, expanding access for global and business borrowers alike.