Alternative-Income Construction Loans

Build Your Dream Home—Even Without Traditional Income Documentation

Welcome to the world of alternative-income construction loans! If you’re dreaming about building your ideal single-family home but your income doesn’t fit the traditional mold, you’re exactly where you need to be.

Today’s borrowers aren’t all W‑2 employees—and lenders have finally caught up. Whether you’re a freelancer, entrepreneur, contractor, gig worker, or someone with complex financials, these programs are designed to help you move forward with confidence.

Why Alternative-Income Construction Loans Exist

Traditional construction loans rely heavily on tax returns and W‑2s. But for many hardworking people, those documents don’t accurately reflect real income. Alternative-income construction loans solve that problem by allowing more flexible documentation options while still giving you access to competitive mortgage terms.

Flexible Income Documentation

Instead of tax returns or W‑2s, you can qualify using:
• Bank statements
• Profit & Loss statements
• Assets (asset‑depletion options available)
This makes the program ideal for self-employed borrowers or anyone with non-traditional income streams.

Loan Highlights

✔ Low Down Payment
• Put down as little as 20%.

✔ Flexible Loan Terms
• Choose between a 30‑year fixed mortgage or an ARM.

✔ Purchase or Refinance
• Use this loan to build a new home, refinance an existing construction loan, or restructure your financing mid‑project.

✔ Eligible Property Types
• Single-family homes (SFH)
• Townhomes
• 2–4 unit properties
• Up to 20 acres of land

✔ Wide Loan Amount Range
• Minimum loan amount: $250,000
• Maximum loan amount: $3,500,000

✔ Eligible Borrowers
• U.S. citizens
• Permanent resident aliens
• Non‑permanent resident aliens

Who This Loan Is Perfect For

This program is built for borrowers who:
• Are self-employed
• Have fluctuating monthly income
• Write off significant expenses on taxes
• Earn income from multiple sources
• Prefer to qualify using bank statements or asset

If traditional lenders have told you “no,” this may be the loan that finally says “yes.”

Build the Home You’ve Been Imagining
Alternative-income construction loans open the door for more people to build the home they truly want—without being boxed in by outdated documentation requirements. With flexible terms, generous loan limits, and multiple qualifying paths, this program gives you the freedom to build on your own terms.

✅ We close loans others can’t.

📍 Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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