Since guidelines surrounding mortgage financing changed after the real estate crisis, there are now loan programs we call "alternative documentation loans” (alt doc loans). These types of loans are available for businesses and investors that meet particular guidelines. For real estate investors, cash flow loans enable the borrower to qualify solely through expected cash flow on the property. Bank Statement programs uses bank statements for income verification.  These programs are used by many self-employed, investors, independent contractors, and those with seasonal income.