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Asset Utilization

Allows you to qualify based on the value of your assets like savings or investments, rather than your income. It's a great option if you have significant assets but irregular income.

Our Asset Utilization Loan Program

Creare Capital Lending’s Asset Utilization Loan Program allows investors and high-net-worth individuals to leverage their assets to qualify for a mortgage. Instead of relying on traditional income verification, this program considers the value of your liquid assets, such as savings, investment accounts, or retirement funds, to determine eligibility. It’s an ideal solution for those who may have significant assets but don't show regular income streams. With flexible terms and a smooth approval process, our Asset Utilization Loan Program helps you secure financing for residential or commercial properties by maximizing the power of your assets.

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All Loan Programs

DSCR / No-Doc

Lets you get a mortgage by solely qualifying on the property's rental income. No tax returns or any income docs are required.

DSCR / No Ratio

Allows you to qualify for a mortgage based on the property's income without needing to meet a specific debt service coverage ratio.

Bridge Loans

Short term financing designed to help borrowers bridge the gap between their current and future financing needs. These loans provide quick access to capital, allowing for smooth transitions in real estate transactions with flexible terms and fast approval processes. 

Fix and Flip

Provides funding for purchasing and renovating a property with the goal of selling it for a profit. It is a quick and flexible option for investors looking to buy, renovate, and a resell real estate. No experience required.

Rehab / ARV (After Repaired Value)

Perfect for home buyers or investors looking to improve the property and increase the value. 

Ground Up Construction

Designed for builders and developers who need funds to cover the cost of construction, from the foundation to final touches.

Foreign National / ITIN

Provides for individuals without a Social Security Number (SSN), such as a Non-US Citizen or those with an Individual Taxpayer Identification Number (ITIN). It's a great option for international buyers looking to invest in real estate.

Bank Statement / Alt-Doc

12-24 Month Non-QM Bank Statement loan lets you qualify for a mortgage using your bank statements instead of traditional income docs. Ideal for Self-Employer and Non-Traditional Earners.

1099 / P&L

Lets you qualify using your 1099 forms or a 1-2 year Profit and Loss Statement instead of traditional paystubs. Ideal for self-employed individuals or freelancers who need a way to prove their income.

Asset Utilization

Allows you to qualify based on the value of your assets like savings or investments, rather than your income. It's a great option if you have significant assets but irregular income.

Full Doc

Requires complete income verification including pay stubs, tax returns and other financial documents. It's a standard mortgage option for those who can easily provide detailed proof of their income and financial stability. 
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