Alex Miller Mortgage helps real estate investors finance rentals, flips, and growing portfolios with flexible DSCR, bank statement, and non-QM loans built around how investors actually earn. We specialize in the deals traditional banks turn down, including first-time and experienced investors, self-employed borrowers, and foreign nationals, with creative, AI-assisted underwriting that keeps your deal moving.

We work hands-on with every client from first call to closing.  It’s all hands on deck on every file.

What we offer:
✓ Creative AI-Assisted Lenient Non-QM Underwriting
✓ DSCR & Bank Statement 2nds
✓ Lease to Qualify — 120% of 1007
✓ DSCR Cash-Out to 80%
✓ Live Rent Free on DSCR Refi
✓ First-Time Homebuyer DSCR (with restrictions)
✓ No Seasoning C/O on New Value
✓ No Sourcing of Large Deposits
✓ No LTV Restriction for First-Time Investors
✓ Unlimited Cash-Out to 75% LTV
✓ DSCR No-Reserve Refi
✓ 3-Month Reserve for Purchase — That’s It
✓ P&L with No Bank Statements
✓ 85% DSCR to $1M
✓ Foreign National Cash-Out to 70% LTV (super easy qual)
✓ Take Higher Score of Bank Statement Borrower
✓ ITIN
✓ NY CEMA

Whether you’re buying your first rental or scaling a portfolio, reach out and let’s structure your next deal.