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12-Month Bank Statement

Qualify Self-Employed borrowers with 12 months bank statements in leiu of tax returns. No 1040s, 1120s, K1s, or IRS transcripts

  • Max 90% LTV Purchase
  • Max 80% LTV C/O Refinance
  • Min 575 FICO
  • Loan amounts up to $4M
  • Self-Employed and 1099 Borrowers
  • No 4506T / No K1’s / No P&L’s
  • No MI
  • No reserves required ≤ 75% LTV
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OTHER PROGRAMS

1099 Only

ATR-In-Full

Condotel

Investor Cash Flow / DSCR

Foreign National

Interest Only

ITIN

Jumbo Non-QM

Non-QM Niche

P&L

Small Balance Multifamily

WVOE

Business Purpose

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