Close and fund your next manufactured home investment — even if you’re self-employed or have an ITIN!
DSCR – Use rental income
Airbnb / VRBO income
Bank statements (12–24 months)
1099 only
P&L only (CPA-prepared)
WVOE – No tax returns needed
Asset depletion
Full-doc also available
Investors
Independent Contractors
Short-Term Rental Owners (Airbnb/VRBO)
Self-Employed Borrowers
ITIN Borrowers
Our team at Covenant Realty helps simplify the investment loan process — from pre-qualification to closing, making it easy to finance and grow your manufactured home portfolio.

We've been helping customers afford the home of their dreams for many years and we love what we do.
NMLS# 2020290
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Georgia Residential Mortgage Licensee #GA 73506 | FL MBR4739 | AL 23019