# Local Loan Store™

> Specialty lending for non-owner-occupied real estate and small business — based in Fort Worth, TX, lending nationwide.

Local Loan Store™ is a brokerage and lending desk for investors and business owners. We focus on non-owner-occupied residential investment properties, commercial real estate, and specialty business credit — including DSCR, bridge, fix-and-flip, foreign national, asset qualifier, and cannabis-adjacent programs. We do not originate owner-occupied home mortgages.

## Pages

- [Home](/): Overview of programs, process, and how to get a quote.
- [Loan programs](/loans): Full catalog of lending programs we broker.
- [All products](/products): Browseable index of every program with detail pages.
- [Fix & Flip 100](/products/fix-and-flip-100): 100% purchase + 100% rehab, no credit report in most markets.
- [Foreign national](/products/foreign-national): DSCR-style financing for non-US-citizen investors.
- [Asset qualifier](/products/asset-qualifier): Qualification based on liquid assets instead of income.
- [Cannabis](/products/cannabis): Real estate and business lending for cannabis-adjacent operators.
- [Bank statement](/products/bank-statement): 12 or 24 months of statements for self-employed borrowers.
- [DSCR / investor](/products/dscr): Cash-flow underwriting for rental property investors.
- [Bridge Star](/products/bridge): Buy-before-you-sell bridge financing.
- [Condo loans](/products/condo): Warrantable, non-warrantable, and condotel financing.
- [1099 loans](/products/1099): Independent-contractor qualification with a 10% expense factor.
- [No minimum DSCR](/products/no-min-dscr): Investor loans with no DSCR floor up to 75% LTV.
- [1-year P&L](/products/p-and-l): CPA-prepared P&L qualification for self-employed borrowers.
- [LTV stacking](/products/ltv-stacking): Broker compensation stacked on LTV to keep borrower pricing flat.
- [Calculator](/calculator): Quick payment and DSCR calculator for investment scenarios.
- [About](/about): Who we are and how we work.
- [Contact](/contact): Phone, email, and inquiry form.

## Optional

- [Privacy policy](/privacy): How we handle borrower information.
- [Terms](/terms): Terms of use for the website.
- [E-consent](/e-consent): Electronic communications consent.