• 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

• 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

• 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

• • 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

• 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

• 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)

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• 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

• 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

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