Self-Employed? Independent Contractor?
Bank statements. 1099s. P&L only. We approve where banks decline.
Residential Real Estate Investor?
DSCR. Fix & flip. Hard money. Close in days, not weeks.
Short-Term Rental?
Airbnb. VRBO. Vacation rentals. STR income counts to qualify.
Commercial Real Estate Investor?
Office, retail, industrial, multifamily 5+. NOI-based financing up to $35M.
35+
Years of Experience
$500M+
Funded
Nationwide
Licensed & Lending
24–48 hrs
Pre-Approval Response
50+
Lender Relationships
Loan Programs Built for the Way You Actually Earn
Traditional banks rely on W-2s. We don’t. Choose the program that fits your situation.
Bank Statement Loans
For self-employed borrowers. Qualify using 12 or 24 months of deposits instead of tax returns.
DSCR Loans
For real estate investors. Property cash flow qualifies you — no personal income verification.
Short-Term Rental Loans
Airbnb and VRBO income counts. STR-specialist underwriting for vacation rental investors.
Fix & Flip Loans
12–24 month bridge financing. Fast funding, interest-only, ARV-based. Close in 2 weeks.
Asset Depletion Loans
Use your investment accounts and savings to qualify. No employment income required.
Who We Are
Built by a Broker Who’s Seen 35 Years of Markets
Abo Capital was founded on a simple frustration: traditional banks reject perfectly qualified borrowers because they don’t fit the W-2 mold. We built a brokerage that fixes that.
We specialize in Non-QM lending — programs designed for self-employed borrowers, real estate investors, and short-term rental owners. Where banks see a credit risk, we see a successful business owner who earns on their own terms.
By the Numbers
35+ Years
of mortgage experience
$500M+
in closed loans
NMLS #1763084
licensed broker
Nationwide
licensed in 3 states
50+ Lenders
in our network
From Application to Closing in 21 Days
Tell Us About Your Situation
A 5-minute application. No documents required upfront. We respond within 24 hours.
We Match You to the Right Program
With 12 loan programs and 50+ lender relationships, we find the one built for your deal.
Fast Closing
Most loans close in 21 days. Hard money in as little as 7.
Strategic Wins: Real Deals, Real Borrowers
Banks said no — we said yes.
Self-Employed / Bank Statement
Qualifying Without Tax Returns
The Challenge: A business owner showed strong revenue but wrote off most of it. Banks declined.
The Win: Qualified using 24 months of bank deposits. Closed a $1.3M condo in Los Angeles — no tax returns.
Retiree / Asset Depletion
Assets as Income
The Challenge: Substantial liquidity but no traditional employment — needed a luxury vacation home.
The Win: Used Asset Depletion — converting a $3M investment portfolio into qualifying monthly income.
Investor / Fix & Flip
Future Value Qualification
The Challenge: A spec builder acquired a distressed $2.1M property but didn’t fit traditional construction guidelines.
The Win: Secured a bridge loan based on projected ARV. Project broke ground immediately.
STR Investor / DSCR
AirDNA Data Leveraging
The Challenge: Wanted to scale an STR portfolio but had no W-2 income.
The Win: Secured DSCR loan using AirDNA projections. Qualified on property performance, not tax returns.
Traditional Bank vs. Strategic Mortgage
See why Non-QM borrowers get approved with us when banks say no.
Frequently Asked Questions
Bank Statement Loans
How do I qualify using bank statements?
12 or 24 months of personal or business bank statements replace tax returns. Ideal if you’re self-employed with significant write-offs.
What’s the minimum credit score?
Most programs start at 620. Higher scores unlock better rates and lower down payment requirements.
Can I use personal statements instead of business?
Yes. Business statements typically apply an expense ratio. Personal statements are simpler — deposits equal income.
DSCR & Investment Loans
What is a DSCR loan?
Qualifies based on the property’s rental income vs. the mortgage payment. Your personal income is not required. A 1.0x ratio means rent covers the mortgage.
Can Airbnb income qualify for a DSCR loan?
Yes. We use AirDNA market projections or existing booking history. One of the few programs built for short-term rental investors.
How fast can a hard money loan close?
Typically 7–14 days on qualified properties. We work directly with private lenders who move fast on time-sensitive acquisitions.
Stop Getting Told ‘No’ by Banks.
If you’re self-employed, an investor, or running short-term rentals — you deserve a broker who knows how to get your deal done.
NMLS #1763084 | CA BRE #01167081 | FL MBR4882 | TX SML
Self-Employed? Independent Contractor?
Bank statements. 1099s. P&L only. We approve where banks decline.
Residential Real Estate Investor?
DSCR. Fix & flip. Hard money. Close in days, not weeks.
Short-Term Rental?
Airbnb. VRBO. Vacation rentals. STR income counts to qualify.
Commercial Real Estate Investor?
Office, retail, industrial, multifamily 5+. NOI-based financing up to $35M.
35+
Years of Experience
$500M+
Funded
Nationwide
Licensed & Lending
24–48 hrs
Pre-Approval Response
50+
Lender Relationships
Loan Programs Built for the Way You Actually Earn
Traditional banks rely on W-2s. We don’t. Choose the program that fits your situation.
Bank Statement Loans
For self-employed borrowers. Qualify using 12 or 24 months of deposits instead of tax returns.
DSCR Loans
For real estate investors. Property cash flow qualifies you — no personal income verification.
Short-Term Rental Loans
Airbnb and VRBO income counts. STR-specialist underwriting for vacation rental investors.
Fix & Flip Loans
12–24 month bridge financing. Fast funding, interest-only, ARV-based. Close in 2 weeks.
Asset Depletion Loans
Use your investment accounts and savings to qualify. No employment income required.
Who We Are
Built by a Broker Who’s Seen 35 Years of Markets
Abo Capital was founded on a simple frustration: traditional banks reject perfectly qualified borrowers because they don’t fit the W-2 mold. We built a brokerage that fixes that.
We specialize in Non-QM lending — programs designed for self-employed borrowers, real estate investors, and short-term rental owners. Where banks see a credit risk, we see a successful business owner who earns on their own terms.
By the Numbers
35+ Years
of mortgage experience
$500M+
in closed loans
NMLS #1763084
licensed broker
Nationwide
licensed in 3 states
50+ Lenders
in our network
From Application to Closing in 21 Days
Tell Us About Your Situation
A 5-minute application. No documents required upfront. We respond within 24 hours.
We Match You to the Right Program
With 12 loan programs and 50+ lender relationships, we find the one built for your deal.
Fast Closing
Most loans close in 21 days. Hard money in as little as 7.
Strategic Wins: Real Deals, Real Borrowers
Banks said no — we said yes.
Self-Employed / Bank Statement
Qualifying Without Tax Returns
The Challenge: A business owner showed strong revenue but wrote off most of it. Banks declined.
The Win: Qualified using 24 months of bank deposits. Closed a $1.3M condo in Los Angeles — no tax returns.
Retiree / Asset Depletion
Assets as Income
The Challenge: Substantial liquidity but no traditional employment — needed a luxury vacation home.
The Win: Used Asset Depletion — converting a $3M investment portfolio into qualifying monthly income.
Investor / Fix & Flip
Future Value Qualification
The Challenge: A spec builder acquired a distressed $2.1M property but didn’t fit traditional construction guidelines.
The Win: Secured a bridge loan based on projected ARV. Project broke ground immediately.
STR Investor / DSCR
AirDNA Data Leveraging
The Challenge: Wanted to scale an STR portfolio but had no W-2 income.
The Win: Secured DSCR loan using AirDNA projections. Qualified on property performance, not tax returns.
Traditional Bank vs. Strategic Mortgage
See why Non-QM borrowers get approved with us when banks say no.
Frequently Asked Questions
Bank Statement Loans
How do I qualify using bank statements?
12 or 24 months of personal or business bank statements replace tax returns. Ideal if you’re self-employed with significant write-offs.
What’s the minimum credit score?
Most programs start at 620. Higher scores unlock better rates and lower down payment requirements.
Can I use personal statements instead of business?
Yes. Business statements typically apply an expense ratio. Personal statements are simpler — deposits equal income.
DSCR & Investment Loans
What is a DSCR loan?
Qualifies based on the property’s rental income vs. the mortgage payment. Your personal income is not required. A 1.0x ratio means rent covers the mortgage.
Can Airbnb income qualify for a DSCR loan?
Yes. We use AirDNA market projections or existing booking history. One of the few programs built for short-term rental investors.
How fast can a hard money loan close?
Typically 7–14 days on qualified properties. We work directly with private lenders who move fast on time-sensitive acquisitions.
Stop Getting Told ‘No’ by Banks.
If you’re self-employed, an investor, or running short-term rentals — you deserve a broker who knows how to get your deal done.
NMLS #1763084 | CA BRE #01167081 | FL MBR4882 | TX SML