The Right Mortgage for
Every Borrower
We work with a curated network of specialty lenders — each with their own niche. Select a lender below to explore their programs and download flyers.
👆 Click the tabs below to explore programs offered by each lender.
ARDRI specializes in niche and non-QM lending — built for borrowers who don't fit the traditional mold. From self-employed entrepreneurs and foreign nationals to investors and ITIN holders, ARDRI has a program for your situation. Click any card to download the full flyer.
Traditional Full Doc
Flexible full-doc for W-2 and salaried borrowers who just miss conventional guidelines.
- Up to 90% LTV purchases
- Up to 80% LTV cash-out refi
- Min. 600 FICO · Up to $4M
- Primary, 2nd homes & investment
Bank Statement Loan
Qualify using 12 months of personal or business bank statements — no tax returns required.
- Up to 90% LTV purchases
- Up to 80% LTV cash-out refi
- Min. 600 FICO · Up to $4M
- All self-employment types
DSCR Loan
Qualify based on rental income — not your personal income. Built for investors.
- Up to 80% LTV purchases
- DSCR down to 0.75 · Up to $4M
- Min. 600 FICO · Investment only
Foreign National Loan
For international buyers investing in U.S. real estate — no U.S. credit required.
- Up to 75% LTV purchases
- Treated as 680 FICO · Up to $2M
- DSCR, No Ratio or Bridge options
ITIN Loan
Homeownership for ITIN filers — no Social Security Number needed.
- Up to 90% LTV purchases
- Min. 650 FICO · Up to $1.5M
- Primary homes & investment
Asset Depletion
Use savings, investments, or retirement accounts as qualifying income — no paycheck required.
- Up to 80% LTV purchases
- Min. 600 FICO · Up to $4M
- Bitcoin & Ethereum accepted
Bridge Loan
Short-term financing to close fast — even with recent credit challenges.
- Up to 75% LTV purchases
- Min. 550 FICO · Up to $3M
- Interest-only payments
No Ratio Loan
No income or employment verification. Ideal for investors with properties that don't yet cash flow.
- Up to 75% LTV purchases
- Min. 600 FICO · Up to $2M
- Investment properties only
Profit & Loss Loan
Qualify using CPA-prepared P&L statements — no W-2s or tax returns needed.
- Up to 80% LTV purchases
- Min. 600 FICO · Up to $2.5M
- Primary, 2nd homes & investment
1099 Only Loan
For freelancers, gig workers, and commission-only professionals. No tax returns, no expense reductions.
- Up to 90% LTV purchases
- Min. 600 FICO · Up to $2.5M
K-1 Income Loan
Use K-1 income from partnerships, LLCs, or S-Corps — no W-2s needed.
- Up to 80% LTV purchases
- Min. 600 FICO · Up to $2.5M
- 30 & 40-year terms available
WVOE Loan
Written Verification of Employment — for commission-based and sales professionals.
- Up to 80% LTV purchases
- Min. 600 FICO · Up to $2.5M
International Investors
For real estate professionals serving international buyers — turn global demand into closed deals.
- Up to 75% LTV · No U.S. credit required
- DSCR, No Ratio or Bridge options
- Up to $2M · Investment only
Full ARDRI Program Guide
All ARDRI niche programs in one place — including unique scenarios and non-traditional property types.
- All programs in one flyer
- Tiny homes, mixed-use, hobby farms
- Crypto & foreign assets accepted
