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.
One-Year Tax Return Mortgage Program
“Your financial past shapes your future—submit your one-year tax returns for a seamless home buying experience.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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.”
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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