I spent 50 years calling Hawaii home before planting new roots in Gilbert, Arizona, and in all that time I watched too many good people hear "no" from a lender who only knew how to read a W-2. That's exactly why I do this work.
At MBANC, a direct, in-house non-QM lender funding loans since 2005, I get to say yes to self-employed business owners, real estate investors, and foreign national buyers whose real financial picture never fit the standard box. Bank statements, rental income, assets: whatever actually tells your story is what I qualify you on.
We lend nationwide in 46 states, and I still bring the same aloha spirit to every file, whether it's your first home or your fifteenth investment property.
Let's find out what you qualify for now.
Every borrower's income looks different. I match your file to the program built for it instead of forcing you into a box that was never designed for you.
MBANC underwrites and funds in-house, so decisions move faster and stay with one team from application through closing.
On income-based programs like bank statement loans, you will see both your gross and net qualifying numbers up front, every time.
Tell me what you're trying to do: purchase, refinance, cash out, or add an investment property.
I compare your file against MBANC's full Non-QM and traditional program lineup to find the fit with the strongest terms.
As a direct lender, MBANC underwrites and funds in-house, so you always know where your file stands.
"Found a house we loved. Required an 18 day close. Jason at MBanc got it done in 13. Always on top of everything, keeping me in the loop and ensuring we checked all the boxes. My realtor side-lined to me that Jason was one of the best lenders he's ever worked with. Professional, but also super enjoyable and fun to engage with. I will definitely work with Jason again for future lending needs. Best experience I've had buying a home."
Send a few details and I will reach out to confirm the best next step, or call/text directly if that's easier.
Not sure which one fits? Send a message below and I'll walk through the options with you.
An interest-only period on larger jumbo loan amounts, keeping initial payments lower while principal is deferred.
Learn more →Qualify using 12 or 24 months of personal or business bank statements instead of tax returns, built for business owners.
Learn more →Designed for contractors and gig-based earners who receive 1099s instead of a W-2.
Learn more →Qualify on the property's rental income, not your personal income. No pay stubs, tax returns, or bank statements required.
Learn more →Turn liquid assets, investments, and retirement accounts into qualifying income for borrowers who are asset-rich.
Learn more →Access equity as a second lien without touching your existing first mortgage or its rate. A lump-sum second loan behind your current one.
Learn more →Financing for non-U.S. citizens, including borrowers with no U.S. credit history, on investment or second-home purchases.
Learn more →Traditional pay stub, W-2, and tax return qualifying for borrowers who want a standard path with flexible loan amounts.
Learn more →A path to homeownership for borrowers without a Social Security number, using an ITIN and standard or bank statement income.
Learn more →A revolving home equity line of credit for borrowers who want flexible, as-needed access to equity instead of a lump sum.
Learn more →Pick the tab that matches how you earn. Get a real estimate in 30 seconds, built on the same Non-QM math I use when you call. No tax returns, no uploads, no initial credit pull.
This calculator covers the four income types with a real, formulaic qualifying-income calculation: bank statement, 1099, DSCR rental, and asset utilization. Interest-only jumbo, full doc, foreign national, ITIN, closed-end second, and HELOC are matched to the right fit on a call instead, since those depend on details a slider can't capture. MBANC lends in 46 states.
MBANC (Mortgage Bank of California Inc. dba Mbanc, NMLS #38232) is lending in 46 states. In 22 of them, MBANC can offer the full lineup, primary residence, second home, and investment property. In 24 more, lending is limited to investment property (DSCR) financing only.
Not currently licensed: Minnesota, Missouri, North Dakota, South Dakota. Licensing changes from time to time — confirm current status for your state before proceeding.
Jason lives and works in Gilbert, Arizona — not a national shop with no one on the ground. Arizona is a full-eligibility state, so primary residence, second home, and investment property financing are all available statewide, from Phoenix and Scottsdale to Mesa, Chandler, and Tucson. As a direct, in-house non-QM lender, MBANC underwrites and funds every file on one team, and Jason matches Arizona borrowers to DSCR, bank statement, and asset utilization programs matched to how they actually earn and invest.
Jason Rod lived in Hawaii for 50 years before relocating to Gilbert, Arizona, and that firsthand experience still shapes how he underwrites Hawaii investment property financing today. Hawaii's market carries real nuances a mainland-only lender can easily miss: leasehold versus fee simple land, condotel and vacation rental financing rules, county-specific tax classifications for investment versus owner-occupied property, and HOA and maintenance costs that can catch buyers off guard. As a DSCR and non-QM lender specializing in Hawaii investment property, Jason walks clients through these details so they can make the decision that is actually right for them, not just the fastest one.
A closer look at ten of the full-eligibility states where Jason offers the complete lineup: primary, second home, and investment financing.
Texas has no state income tax and a steady flow of real estate investors, making DSCR and bank statement loans some of the most requested programs here. Full primary, second home, and investment financing available statewide.
See if this fits →Between year-round vacation rental demand and a large self-employed and 1099 workforce, Florida borrowers frequently need bank statement, DSCR, and foreign national financing that a conventional bank cannot offer.
See if this fits →Higher home prices across California mean many borrowers need interest-only jumbo, bank statement, or asset utilization programs sized for the local market, with full primary, second home, and investment eligibility.
See if this fits →Georgia's growing investor and self-employed population regularly turns to DSCR and bank statement loans to qualify on real cash flow and real business income instead of a standard tax return.
See if this fits →North Carolina's expanding rental and investment property market is well suited to DSCR financing, alongside bank statement and 1099 programs for the state's self-employed borrowers.
See if this fits →Arizona's active investment property and relocation market means frequent demand for DSCR, bank statement, and asset utilization loans for buyers whose income does not fit a conventional file.
Full Arizona Guide →Nevada has no state income tax and draws a steady stream of investors and relocating self-employed borrowers, both strong fits for DSCR and bank statement financing with full primary, second home, and investment eligibility.
See if this fits →Tennessee's no state income tax and growing rental market, especially around Nashville, make DSCR and bank statement loans a regular fit for investors and self-employed borrowers alike.
See if this fits →Colorado's active investor and relocation market, especially around Denver, means steady demand for DSCR and bank statement financing for buyers whose income doesn't fit a conventional file.
See if this fits →Washington has no state income tax and a strong self-employed and investor population, both a natural fit for DSCR, bank statement, and 1099 programs.
See if this fits →Verified 5-star Google reviews naming Jason Rod directly.
"Jason understood my query and spoke of his experience, products and gave me the confidence that he could truly help my clients. He was very professional, communicative and responded timely throughout the process. We successfully closed on the sale and were 12 days early!"
"As a real estate agent, I've had the pleasure of working with numerous mortgage lenders over the years, but my experience with Jason and Rhonda at MBANC stands out as truly exceptional. He flawlessly communicated every step of the mortgage process, ensuring that both the buyer and I were always in the loop. I highly recommend Jason and his team at MBANC to anyone in the market for a mortgage lender."
"Miracle Workers is how I would describe Jason, Alan and Ammeba. They were able to help me qualify for a home loan despite being self employed and using bank statements only. I had been trying to qualify and buy a home for the past three years with other different lenders and rejected. Mbanc and its staff made it happen. We closed escrow last week. I am still wiping tears of happiness from my eyes. Thanks Mbanc"
"I found MBANC online after going the traditional lending route. Jason called me back and we took off from there. As a small business owner, we couldn't get the banks to take a chance on us even though we had relationships with them for over 6 years. MBANC was able to take our financial information and make it work for us. Mahalo nui, Jason!"
"Jason provided exceptional guidance and service on this very difficult mortgage loan. The lender was in California, the buyer was purchasing a first time home in Virginia. Always done in a calm and professional manner, bottom line we were able to close on the property. I look forward to working with you again if the opportunity presents itself."
"Exceptional experience. MBANC, and specifically Jason Rod, were a pleasure to work with. Customer service: responsive, professional and understanding. The application was easy, and I was kept abreast of developments in real time. They exceeded expectations in every way, and I would absolutely recommend them unreservedly."
"Jason Rod was unbelievably helpful on getting my deal closed. Being self employed makes securing mortgages difficult at times, but with Jason and MBANC, it was quite the opposite. I will be working with him on all my deals in the future!"
"Possibly one of the best loan experiences I've had. Jason and his team absolutely crush. The service is next level. Many closings have to be extended in Hawaii but they were able to close 2 weeks ahead of schedule. I highly recommend their services."
"I help self-employed borrowers, investors, and high earners finance the life they actually built, not the one their tax return shows." Non-QM strategy and real market insight, no fluff.
Read the Latest Post →A bank statement loan lets self-employed borrowers qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Both gross and net qualifying income are shown before you move forward.
Yes. Full doc, bank statement, 1099, and asset utilization programs are all built for borrowers whose income doesn't show up on a standard W-2.
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property based on its rental income instead of personal income. No pay stubs, tax returns, or bank statements are required.
No. The ITIN program allows borrowers without a Social Security number to qualify for a primary or second home using an Individual Taxpayer Identification Number.
Yes. A closed-end second mortgage or HELOC lets you access equity as a second lien, leaving your existing first mortgage and its rate untouched.
MBANC is a Non-QM direct lender, meaning underwriting and funding happen in-house on one team from application through closing, instead of being passed between outside parties.
MBANC is lending in 46 states. 22 of those states allow the full lineup (primary, second home, and investment property); 24 are limited to investment property (DSCR) financing only. See the "Where We Lend" section above for the full breakdown, or verify current licensing directly at NMLS Consumer Access.
Share your income type, goal, and timeline through the contact form or a quick call, and Jason will match your file against MBANC's full program lineup to identify the strongest fit.
Down payment requirements for DSCR loans vary by property type, the property's cash flow, and the specific program, and are typically higher than for a primary residence. Share your scenario for an exact number.
Often, yes. Many non-QM programs work with a shorter income history than conventional loans require. Exact requirements depend on the specific program and your file.
Non-QM programs are generally more flexible on credit than conventional loans, with requirements that vary by program. The best way to know where you stand is a quick review of your file.
Yes. The Foreign National program is built for non-U.S. citizens buying investment or second-home property, using a passport and asset documentation instead of U.S. credit history.
Asset utilization converts liquid assets, investments, and retirement accounts into qualifying income. It is built for borrowers who are asset-rich but do not show high income on paper.
Closing timelines vary by file complexity, but as a direct lender MBANC underwrites and funds in-house on one team, which often means faster turn times than loans passed between multiple outside parties.
Yes. After living in Hawaii for 50 years, Jason understands the market's real nuances, from leasehold versus fee simple land to condotel and vacation rental financing and county-specific investment property tax rules, and specializes in DSCR and non-QM investment property loans for Hawaii buyers.