半查收入贷款
半查收入贷款的英文名字叫alt doc loans，就是其它收入证明（区别于传统的报税表）。我们仍然需要提供工作和收入证明，但不是已经上报到IRS无法更改的报税表，而是更灵活的、选择性更多的文档。
为什么叫半查收入
传统的查收入贷款，查的是借款人的报税收入，就是个人的或者家庭的年度退税表（1040）上的收入。有些借款人，比如餐馆、指甲店、SPA店的老板，因为使用了大量的合法的抵税手段，导致报税收入很低，也因此无法做传统的查收入贷款。
另外在餐馆、或者SPA的工作人员，因为零零碎碎的现金收入不好统计，而没有全部计入年度报税表中，也因此无法做传统的查收入贷款。
另外，传统的查收入贷款会查过去两年的收入；而因为受COVID-19影响而短暂失去或者降低了收入的借款人，短期内无法通过收入审查。
半查收入贷款，针对的就是以上情形。它的英文名字叫alt doc loans，就是其它收入证明（区别于传统的报税表）。我们仍然需要提供工作和收入证明，但不是已经上报到IRS无法更改的报税表，而是更灵活的、选择性更多的文档。比较常用的，利率相对低的其它收入证明包括：
- 12个月或者24个月的银行流水账
- 会计师签字的2年损益表
- 雇主证明信
- 流动资产代替收入
Low Overhead Means Savings for you
Our mechanics are mobile. Not only do we have significantly lower overhead costs compared to the local shops, but as a national brand, we are able to negotiate better prices from the auto parts vendors.
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Clutch Components: A clutch consists of a cover, a clutch plate, a flywheel, a pressure plate, a diaphragm spring. Automatic Transmission Components: Inside an automatic transmission, there is a complex assortment of parts in a fairly small space. Among other things there are a planetary lorem ipsum dolor sit ammet gear set, a set of locking bands, clutches, a hydraulic system. Whether you drive a manual or an automatic transmission:
Automatic Transmission Components: Inside an automatic transmission, there is a complex assortment of parts in a fairly small. Our mechanics are mobile. Not only do we have significantly lower overhead. Space among other things there are a planetary.
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