Qualify with enough liquid assets to cover the loan balance

Program Details:

  • Borrower does not have to be currently employed
  • Only show two months of statements for qualifying account
  • Max LTV 70%
  • Any Occupancy
  • Down to 600 credit score
  • Purchase or Refinance
  • Can use Liquid Assets


Qualify with most recent Personal or Business Account’s Bank Statements

Program Details:

  • Up to $3M Loan Amounts
  • 75% Max LTV Purchases
  • 70% Max LTV Refinance
  • Self-Employed Borrowers Only
  • 675 or greater credit scores
  • Owner Occupied Only
  • First Time Home Buyers considered at lower LTV


Qualify with 100% on personal account deposits and 50% on business account deposits (12 consecutive months)

Program Details:

  • Up to $3M Loan Amounts
  • Up to 90% Max LTV
  • Self-Employed and 1099 Borrowers
  • 600 or greater credit scores
  • No reserves required at 65% or less LTV
  • No 4506T / No K1’s / No P&L’s
  • No MI


Debt Service Coverage Ratio

Program Details:

    • Max LTV 80%
    • Loan Amounts up to $2M
    • Non-Owner Occupied only
    • No Reserve Requirements (depending on LTV)
    • No income verification
    • 5yr / 7yr ARM & 30-year Fixed
    • Reconciled rent estimate based on 1007 and proprietary rent survey or lease agreement
    • No min DSCR at 70% or less*
    • Minimum DSCR 1.0 : 1.0 at > 70%
    • LPC on NOO

    *12 month reserves required for negative rents


Letter of good standing with current financial institution or international credit report. No income verification with loan amounts up to $2M.

Program Details:

  • 1 to 4-unit properties
  • No Min DSCR
  • No income verification
  • No Reserves
  • Non-Owner Occupied only
  • 5yr / 7yr ARM & 30-year Fixed
  • 70% Max LTV Purchase
  • 65% Max LTV Refinance
  • Condotels/Pudtels Allowed


Interest Only program offers loan amounts up to $4M with an 90% maximum LTV

Program Details:

  • Loan amounts up to $4M
  • 90% Max LTV
  • 650 minimum credit score
  • Owner Occupied, Non-Owner Occupied, and 2nd Homes
  • Self-Employed
  • O/O qualify off first principal and interest payment
  • N/O/O DSCR qualify off I/O payment
  • Available on 5/1 and 7/1 ARM

Download Interest Only Calculator (Excel)



Loan amounts up to $1M

Program Details:

  • Full Doc or DSCR
  • No Reserve Requirements (depending on LTV)
  • 2-year income history
  • Valid U.S. government issued ID
  • 80% Max LTV Purchase
  • 80% Max LTV Refinance

Jumbo Non-QM

Qualify with Full Doc, Bank Statements, or DSCR

Program Details:

  • Loan Amounts up to $3M OO and $2M NOO
  • I/O available with a 650+ FICO
  • C/O available with no max cash in hand depending on LTV
  • Foreign National
  • No reserve requirements at or below 65% LTV, C/O proceeds can be used for reserves above 65% LTV
  • Fast Turn-Times
  • Can use transferred appraisals

Jumbo Prime

Offering the Most Competitive Jumbo Prime in the Market

Program Details:

  • Residential Loan amounts to $3M
  • Second Homes to $1.5M
  • Investment Homes to $1.5M
  • Full Doc Only
  • Must be $1 over Conforming Limit
  • Quick Loan Inquiry

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