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.
Max LTV by program
% — purchase scenarios
Max loan amount
USD millions
Indicative rate ranges
Illustrative only — actual pricing depends on file, term, and market conditions
Featured programs
Tap any card for full guidelines.
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 | Category | Max LTV | Max Loan | Rate Range |
|---|---|---|---|---|
| Foreign National CRE | Investor | 75% | $3M | 8.25% – 10.5% |
| Asset Qualifier Loan | Residential | 80% | $3M | 7.25% – 9.5% |
| Cannabis Business Income Loan | Specialty | 80% | $2M | 8.75% – 11% |
| Bank Statement Loans | Residential | 90% | $3M | 7.5% – 9.75% |
| DSCR / Investor Loans | Investor | 85% | $3M | 7% – 9.5% |
| Bridge Star Loan | Residential | 75% | $2M | 9% – 12% |
| Condo Loans | Residential | 90% | $4M | 7.25% – 10% |
| 1099 Loans | Residential | 90% | $2M | 7.5% – 9.75% |
| No Minimum DSCR | Investor | 75% | $2M | 8% – 10.5% |
| 1 Year P&L Product | Residential | 80% | $2M | 7.75% – 9.75% |
| LTV Stacking | Specialty | 85% | $3M | 7.5% – 10% |
Rates and terms are illustrative and subject to change without notice. Actual pricing depends on file, term, market conditions, and program availability.
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.