Financing Built for Your Unique Situation

When traditional lenders say no, we find a way to say yes. TRI-GLOBAL EQUITIES specializes in creative, customized financing solutions for complex credit situations and unique property types.

Realistic detailed closeup $100 bills representing custom financing solutions

Our Approach to Specialized Financing

1

Look Beyond the Numbers

We evaluate your complete financial picture, not just credit scores. We consider income trends, compensating factors, and the context of your situation.

2

Flexible Underwriting Standards

We don't follow rigid guidelines. Our experienced underwriters have the authority to approve loans based on individual merit and risk assessment.

3

Responsible Lending

Flexibility doesn't mean reckless. We structure loans responsibly, ensuring you can realistically manage payments and achieve your financial goals.

4

Transparent Communication

We're upfront about what we can offer, what it will cost, and what risks exist. No surprises at closing.

Programs We Specialize In

Post-Bankruptcy & Foreclosure

Bad credit doesn't have to be permanent. We offer programs for borrowers rebuilding after bankruptcy or foreclosure.

  • ✓ Loans as early as 2 years after bankruptcy
  • ✓ Options after foreclosure or deed-in-lieu
  • ✓ Payment history considered alongside past issues

Self-Employed & Business Owners

We understand the income variability of self-employment and business ownership.

  • ✓ Flexible income documentation
  • ✓ DSCR loans for income-producing properties
  • ✓ Business tax returns and financial statements evaluated

Non-Traditional Income

Your income doesn't fit the conventional W-2 mold? We work with it.

  • ✓ Investment income & rental income considered
  • ✓ Recent immigrants with limited history
  • ✓ Contract work and gig economy income

Credit Challenges

A lower credit score doesn't disqualify you. We look at the full picture.

  • ✓ Recent credit issues with compensating factors
  • ✓ High debt-to-income ratios with strong assets
  • ✓ Limited credit history but good payment patterns

Non-QM & Portfolio Loans

When you don't qualify under Qualified Mortgage (QM) guidelines, we have options.

  • ✓ Non-QM programs with flexible terms
  • ✓ Jumbo loans without standard limits
  • ✓ Unique property types and situations

Investment Properties & Portfolios

Expand your real estate portfolio with specialized investor financing.

  • ✓ Rental income analysis and DSCR calculations
  • ✓ Multi-unit and commercial properties
  • ✓ Fix-and-flip and short-term holding periods

Properties We Finance

Residential Properties

  • • Single-family homes
  • • Condominiums
  • • Townhomes
  • • Mobile homes
  • • Manufactured homes

Investment Properties

  • • Rental homes (1-4 units)
  • • Multi-unit apartments
  • • Commercial properties
  • • Mixed-use buildings
  • • Portfolio properties

Specialty Properties

  • • Fixer-uppers requiring work
  • • Properties in transition areas
  • • Non-standard construction
  • • Unique or custom homes
  • • Properties with unusual characteristics

Investor Scenarios

  • • Fix-and-flip projects
  • • Rental acquisitions
  • • Refinancing existing rentals
  • • Portfolio consolidation
  • • Cash-out for expansion

We Say Yes When Others Say No

The Rebuilder

After bankruptcy, Sarah was told by three banks she couldn't get a mortgage for three years. We approved her purchase loan 18 months post-discharge because her recent payment history and stable new job showed real recovery.

The Self-Employed

Miguel's freelance income varied significantly, and his business was only 3 years old. Traditional banks required longer history. We evaluated his tax returns, bank statements, and client contracts—and he qualified.

The Investor

Marcus wanted to expand his rental property portfolio but had a foreclosure from 2019. Combined with strong current income and positive cash flow from existing properties, we found the right program for his investment goals.

The Unique Situation

Jennifer had a high income but recently changed careers. Her DTI was borderline, and she had a judgment on record. We structured a loan with compensating factors that worked for everyone.

Our Application Process

We'll Ask You About

  • Your credit history and any past challenges
  • Your current income and employment
  • Your assets and financial stability
  • The property you're financing
  • Your goals and timeline

We'll Evaluate

  • Your complete financial picture holistically
  • Compensating factors that demonstrate strength
  • Recent positive trends in your finances
  • The context and reasons behind past issues
  • What program or structure works best for you

Your Situation Deserves a Custom Solution

Don't accept "no" from traditional lenders. TRI-GLOBAL EQUITIES specializes in finding creative financing solutions that work for your unique circumstances.

Tell Us Your Story