• Borrower does not have to be currently employed
• Only show two months of statements for qualifying account
• 75% Max LTV Purchase
• 70% Max LTV Refinance
• Owner-Occupied only
• Down to 600 credit score
• Can use Liquid Assets

• 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
• Transfers can be used for qualifying income

• Up to $4M Loan Amounts
• Up to 90% Max LTV
• Self-Employed and 1099 Borrowers
• 600 or greater credit scores
• No reserves required at 75% or less LTV
• No 4506T / No K1’s / No P&L’s
• No MI

• • 2-4 units up to 80% LTV
  • Loan Amounts up to $2M
  • Non-Owner Occupied only
  • No reserves required ≤ 75% LTV
  • No income or job verification
  • 5yr / 7yr ARM & 30-year Fixed
  • Reconciled rent estimate based on 1007 or lease agreement
  • No min DSCR ≤ 80% LTV*
    (*12 mos. reserves required for negative cashflow, DSCR < 1:1, cash-out can be used to cover reserves)
  • LPC & Borrower Paid Comp Available (or a combination of the two up to 3 points)

• 1 to 4-unit properties
• No Min DSCR
• Loan amounts up to $2M
• No income, job, or credit required
• No Reserves < 75% LTV
• Non-Owner Occupied only
• 5yr / 7yr ARM & 30-year Fixed
• 70% Max LTV Purchase
• 65% Max LTV Refinance
• Condotels/Pudtels Allowed

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

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• Qualify Full Doc, 12-Month Bank Statement for SE, or DSCR on N/O/O
• No Reserves at 75% LTV and below
• 2-year income history
• Valid U.S. government-issued ID
• 80% Max LTV Purchase
• 80% Max LTV Refinance
• Loan amounts up to $1M

• Loan Amounts up to $4M
• 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 75% LTV, C/O proceeds can be used for reserves above 75% LTV
• Can use transferred appraisals

• Lender Credits can be applied towards Broker Comp
• Business funds can be used for reserves (Must be 100% owner)
• Transferred Appraisals OK
• No MI, Impounds can be waived
• C/O up to $500K