Tailored Loans for Every Buyer
At All Elite Loan, Inc. we offer a diverse range of loan options to fit your needs. Contact us today to discuss your situation, and we'll help you find the perfect financing solution.
All Elite Loan Offers Different Services
One-Year Tax Return Mortgage Program
“Your financial past shapes your future—submit your one-year tax returns for a seamless home buying experience.”
Read More...
Benefits
✅ Easier Qualification – Ideal for self-employed borrowers with strong recent income.
✅ Faster Approval – Less paperwork speeds up the process.
✅ Higher Loan Potential – Uses only the most recent tax return, which can boost borrowing power.
✅ More Flexibility – Helps if past tax deductions lowered your taxable income.
5-8 Unit Residential Building
“Ready to expand? Get the financing you need for multi-unit residential buildings and make the most of your investment.”
Read More...
Benefits
✅ Higher Rental Income – More units = increased cash flow.
✅ Better Financing Options – Qualifies for residential or commercial loans.
✅ Lower Vacancy Risk – Multiple tenants reduce income loss.
✅ Wealth Building – Strong long-term appreciation potential.
✅ Tax Benefits – Depreciation and expense deductions.
DSCR Loans
“Ready to expand? Get the financing you need for multi-unit residential buildings and make the most of your investment.”
Read More...
Benefits
✅ Debt-Service Coverage Ratio (DSCR) – Typically 1.0+ (rental income must cover loan payments).
✅ Property-Based Approval – Qualifies based on property cash flow, not personal income.
✅ Higher Down Payment – Usually 20-25% required.
✅ Credit Score – Minimum 620-680, depending on lender.
✅ Loan Amounts – Varies by lender, often up to $5M.
✅ Interest Rates – Slightly higher than conventional loans.
100% Gift Funds
“Dream home within reach—use 100% gift funds to help you close the deal faster.”
Read More...
Benefits
✅ Lower Out-of-Pocket Costs – No personal funds needed for down payment or closing.
✅ Easier Homeownership – Helps first-time buyers and low-cash borrowers.
✅ More Loan Options – FHA, VA, and some conventional loans allow it.
✅ Faster Home Purchase – Less time needed to save for a down payment.
New Employment OK
“Starting a new chapter? No worries—new employment is OK when qualifying for your mortgage.”
Read More...
Benefits
✅ No Job History Required – Qualifies with a new job offer or recent employment.
✅ Easier for Relocators – Great for those moving for work.
✅ Higher Loan Approval – Uses future income, not past earnings.
✅ Works for Many Loans – FHA, VA, and some conventional loans allow it.
Bank Statement Loans
“Let your bank statements speak for you—qualify for a loan based on your savings and deposits.”
Read More...
Benefits
✅ No Tax Returns Needed – Qualifies using bank deposits.
✅ Ideal for Self-Employed – Great for business owners & freelancers.
✅ Higher Loan Approval – Uses actual income, not deductions.
✅ Flexible Loan Options – Available for primary, second homes, and investments.
Mixed-use Properties
“From residential to commercial, your mixed-use property is just one step away with the right financing.”
Read More...
Benefits
✅ No Tax Returns Needed – Qualifies using 12-24 months of bank deposits.
✅ Perfect for Self-Employed – Ideal for business owners, freelancers, and gig workers.
✅ Higher Loan Approval – Based on actual cash flow, not taxable income.
✅ Flexible Loan Terms – Available for primary, second homes, and investments
Investor No Ratio Loans
“For investors looking to grow without the ratio hassle—our no ratio loans streamline your investment process.”
Read More...
Benefits
✅ No Income or DTI Requirements – No personal income verification needed.
✅ Fast & Easy Approval – Focuses on property value, not borrower finances.
✅ Ideal for Investors – Great for buying & growing rental portfolios.
✅ Flexible Loan Terms – Available for various property types.
Foreign National Borrowers
“Turning global dreams into reality—foreign nationals can qualify for a mortgage with the right documentation.”
Read More...
Benefits
✅ No U.S. Credit Needed – Qualifies without U.S. credit history.
✅ Flexible Financing – Available for investment properties.
✅ No Income Verification – Uses alternative documentation.
✅ Wealth Building – Own U.S. real estate & earn rental income.
Manufactured Homes
“Your manufactured home deserves the right mortgage—let’s make that happen with tailored financing options.”
Read More...
Benefits
✅ Affordable Housing – Lower cost than traditional homes.
✅ Flexible Financing – FHA, VA, and conventional loans available.
✅ Quick Setup – Faster move-in than site-built homes.
✅ Energy Efficient – Modern models offer lower utility costs.
✅ Appreciation Potential – Gains value in desirable locations.
Adult Care Facilities
“Investing in care, investing in the future—financing options for adult care facilities that put people first.”
Read More...
Benefits
✅ High Demand – Growing need for senior and assisted living.
✅ Steady Income – Reliable cash flow from residents.
✅ Multiple Financing Options – SBA, commercial, and private loans available.
✅ Community Impact – Provides essential care services.
✅ Tax Benefits – Deductions for property, staffing, and equipment.
HELOC Financing
“Unlock your home’s potential with a Home Equity Line of Credit—your equity can fuel your next move.”
Read More...
Benefits
✅ Access to Cash – Borrow as needed from home equity.
✅ Flexible Use – Fund home improvements, debt consolidation, or investments.
✅ Lower Interest Rates – Often cheaper than credit cards or personal loans.
✅ Revolving Credit – Use, repay, and reuse funds as needed.
Self-prepared Profit and Loss
“You know your business best—use self-prepared profit and loss statements to make financing work for you.”
Read More...
Benefits
✅ No Tax Returns Needed – Qualifies with P&L statement instead.
✅ Easier for Self-Employed – Helps business owners show income.
✅ Flexible Loan Options – Works for bank statement & alternative loans.
✅ Faster Approval – Less paperwork speeds up the process.
Contact Us for more information
- 1601 Bayshore Hwy Ste 360, Burlingame, CA 94010
- 650-231-8888
- Mon - Fri: 9:00am - 5:00pm