Loan products built for real borrowers
Every borrower has a different story. Browse our full lineup of non-QM and specialty programs — each with its own qualification path, max LTV, and indicative pricing.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
Featured programs
Search or filter below to explore all 11 programs.
Fix & Flip 100
100% purchase + 100% rehab in most markets.
- Max LTV
- 100%
- Max loan
- $0.5M
- Rate from
- 12%
Foreign National CRE
For non-U.S. residents with no credit history.
- Max LTV
- 75%
- Max loan
- $3M
- Rate from
- 8.25%
Asset Qualifier Loan
Perfect for borrowers with significant assets.
- Max LTV
- 80%
- Max loan
- $3M
- Rate from
- 7.25%
Cannabis Business Income Loan
Clear guidelines for qualifying eligible borrowers.
- Max LTV
- 80%
- Max loan
- $2M
- Rate from
- 8.75%
All programs
| Program | Max LTV | Max Loan | Rate Range | Details |
|---|---|---|---|---|
| Fix & Flip 100 | 100% | $0.5M | 12% – 12% | |
| Foreign National CRE | 75% | $3M | 8.25% – 10.5% | |
| Asset Qualifier Loan | 80% | $3M | 7.25% – 9.5% | |
| Cannabis Business Income Loan | 80% | $2M | 8.75% – 11% | |
| Bank Statement Loans | 90% | $3M | 7.5% – 9.75% | |
| DSCR / Investor Loans | 85% | $3M | 7% – 9.5% | |
| Bridge Star Loan | 75% | $2M | 9% – 12% | |
| Condo Loans | 90% | $4M | 7.25% – 10% | |
| 1099 Loans | 90% | $2M | 7.5% – 9.75% | |
| No Minimum DSCR | 75% | $2M | 8% – 10.5% | |
| 1 Year P&L Product | 80% | $2M | 7.75% – 9.75% | |
| LTV Stacking | 85% | $3M | 7.5% – 10% | |
| Closed-End Second (CES) — Investment Property Equity | 80% | $0.75M | 9.5% – 12.5% |
Rates and terms are illustrative and subject to change without notice. Actual pricing depends on file, term, market conditions, and program availability.
Researching eligibility first? See the full DSCR loan requirements guide.
Find your fit in one short form
Tell us about your scenario — a real loan officer will match you to the right program and call within one business day.