Ideal for borrowers looking to
- Purchase investment property without traditional income documentation
- Finance through an LLC or business entity
- Use bank statements instead of tax returns
- Use 1099 income
Residential Investment Financing
Alternative Residential Financing
When Traditional Lending Isn't the Right Fit.
Also known as Non-QM, Alternative Documentation, and Flexible Qualification Financing.
Just because one lender says “no” doesn't mean financing isn't possible. Sometimes the solution isn't a different lender. It's a different capital strategy.
Don't Let One Decline Define Your Options. Start With the Right Strategy.
Traditional lending works well for many borrowers, but not every investor fits traditional guidelines. Whether you're self-employed, purchasing through an LLC, using alternative income documentation, or investing in unique properties, there may be financing solutions designed specifically for your situation.
Is This the Right Capital Line™ for You?
Also designed to support
- Asset-based qualification
- Foreign National borrowers
- ITIN borrowers
- Unique investment opportunities
What We Can Offer
Competitive Alternative Financing
Starting rates from 6.xx%*
- Long-term fixed options
- Interest-only programs available
- Multiple documentation options
Maximum Buying Power
Up to 85% LTV*
- Portfolio financing
- Cash-out refinance
- Investment property financing
Capital Magnets™
Designed for borrowers who need greater flexibility in documentation, qualification, ownership, property type, and financing structure.
Alternative Residential Capital Magnets™
- Bank Statement Programs
- 1099 Income
- Asset Utilization
- DSCR Financing
- Foreign National
- ITIN Borrowers
- LLC Borrowers
- Entity Ownership
- Portfolio Loans
- Jumbo Financing
- Interest-Only Options
- Rural Properties
- Non-Warrantable Condominiums
- Mixed-Use (Select Programs)
Property Types
- Single Family
- Duplex
- Triplex
- Fourplex
- Condominium
- Townhome
- Rural Properties
- Investment Portfolios
- Mixed-Use (Select Programs)
The GKAI Difference
Most lenders evaluate whether you fit their guidelines.
We evaluate whether a different capital strategy is the better fit.
Every opportunity is pressure tested and evaluated using the GKAI CAT™ (Capital Alignment Triangulation™) to identify the best achievable combination of:
Rate
Better financing terms and long-term cost alignment.
Leverage
Greater buying power, portfolio capacity, and equity access.
Flexibility
Alternative documentation, qualification, ownership, and property options.
Which Side of the CAT Matters Most to You?
Better Financing Terms?
Prioritize pricing, payment structure, and long-term cost.
Greater Buying Power?
Prioritize leverage, portfolio growth, and financing capacity.
More Flexible Qualification?
Prioritize documentation, entity ownership, borrower profile, and property type.
Why GKAI Capital
Multiple Capital Lines
One relationship across residential investment, commercial real estate, hospitality, and business financing.
Direct Review Support
Preliminary structuring and underwriting guidance before a full submission.
Creative Structuring
Alternative documentation, entity ownership, portfolio, rural property, and layered capital solutions.
Relationship-Driven
Built for repeat investors, self-employed borrowers, developers, commercial operators, and referring brokers.
Other Residential Capital Strategies
GKAI also supports commercial real estate, multifamily, hospitality, development, and business financing.
Why Brokers Work With GKAI Capital
- Multiple capital lines through one relationship
- Preliminary structuring before submission
- Creative solutions for complex transactions
- Commercial and residential investment expertise
- Fast preliminary reviews
- Layered capital strategies including senior debt, seller financing, and equity
- Support designed for repeat investors, developers, self-employed borrowers, and commercial operators
Program Disclaimer
Program highlights represent available solutions within the Alternative Residential Capital Line™. Financing terms vary based on borrower qualifications, documentation, property characteristics, market conditions, and individual lender guidelines. Rates, leverage, loan sizes, and terms are subject to underwriting and do not constitute a lending commitment.
Your Situation May Be More Financeable Than You Think.
Schedule your Capital Alignment Review™ and discover which Alternative Residential Capital Line™ best aligns with your financial profile, investment goals, and financing needs.
*Programs, rates, leverage, and terms are subject to underwriting and change.
