Government-backed loans with lower down payments and credit score requirements, ideal for first-time homebuyers.

The most common loan type, offered by private lenders and conforming to Fannie Mae and Freddie Mac guidelines.

"Debt Service Coverage Ratio" focuses on the property's projected rental income to qualify. A good option for self-employed borrowers and investors or those with complex income structures.  

Short-term, fast-closing loans with higher interest rates, often used for fixer-uppers or investment properties.

Financing options for non-U.S. citizens or permanent residents to purchase property a Second Home or Investment property in the United States. 

Use bank statements to verify income, suitable for self-employed borrowers or those with limited traditional income documentation.

Emerging option that allows borrowers to use cryptocurrency as collateral for a traditional loan. (Note: Regulations are still evolving in this area)