Twelve programs. One underwriting standard.
Every Rockstone program is built for a real scenario brokers run into every week — self-employed borrowers, investors, and anyone the standard box doesn't fit. Rates and guidelines below are indicative; run a live scenario in Rapid Fire Pricing for exact terms.
Owner-Occupied & Investment
07 programsStandard Doc
Full-doc income qualification for owner-occupied and investment purchases or refis.
Bank Statement
12 or 24 months of personal or business statements in place of tax returns.
P&L Only
CPA or tax-preparer prepared profit & loss statement, no returns required.
WVOE Only
Written verification of employment stands in for full income documentation.
Asset Utilization
Qualify borrowers using liquid assets instead of traditional income.
Closed-End Seconds
Give borrowers access to equity without touching their first mortgage rate.
Investment Only
03 programsDSCR — 1-4 Units
Qualify on property cash flow — no personal income documentation needed.
DSCR — 5-8 Units / Mixed Use
Extends DSCR qualification to small multifamily and mixed-use properties.
Foreign National
Financing for non-resident investors purchasing U.S. real estate.
Portfolio & Specialty
02 programsFix & Flip
Purchase and renovation capital for investors rehabbing single-family and small multi-family properties for resale.
Hard Money / Bridge
Fast, asset-based capital for time-sensitive purchases, rehabs, and bridge scenarios where speed matters more than documentation.
Not sure which program fits?
Send us the scenario and an account executive will match it to a program and run indicative pricing same day.