Creative refinancing for high net worth, low income investors?

[Craig Raymond]

Hey folks,

Wondering if anyone knows of decent refinancing options for individuals with high net worth, significant equity in real estate and cash/stock holdings, and credit score >800, but income that falls short of the requirements for most conventional programs. Thought we had found someone who could get a bank statement loan done, but they've disappeared, hoping this group may be able to connect us with someone more reliable.

Thanks in advance for any connections.

[Will Fraser]

HI @Craig Raymond, welcome to the BP forums!  In general the income piece is going to matter primarily to mortgage loan underwriters, while the other pieces will be more significant to commercial loan underwriters.  If I were in this situation I would look at refinancing onto a commercial loan (sometimes called a bank loan, portfolio loan, etc) with an interest rate locked as far out as possible.  I usually find these at local banks in my area, but national players like Aloha Capital could be another source.