OUR PROGRAMS

• 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

• 1 to 4-unit properties
• Qualify using Rents (cash flow)
• Condotels/Airbnb/Daily Rentals allowed
• Yield Spread / LPC Available
• Can close in Corporate (LLC) but not required
• Up to 80% Max LTV on Purchase
• 575 or greater credit scores

• Max 90% LTV Purchase
• Max 80% LTV Refinance
• Self-Employed and 1099 Borrowers
• 600 or greater credit scores
• Up to $4M Loan Amounts
• No reserves required at 75% or less LTV
• No 4506T / No K1’s / No P&L’s
• No MI

• Qualify on cash flow – 12 months reserves required for negative cash flow, Ratio ≤ 1:1, cash-out can be used to cover reserves
• 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
• LPC & Borrower Paid Comp Available (or a combination of the two up to 4 points)

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

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

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• Qualify WVOE, 12-Month Bank Statement for SE and DSCR
• 2-year income history
• Valid U.S. government-issued ID
• 80% Max LTV Purchase
• 80% Max LTV Refinance
• Loan amounts up to $1M
• No Reserves required ≤ 75% LTV

• I/O available with a 650+ FICO
• Loan Amounts up to $4M
• C/O available with no max cash in hand depending on LTV
• Foreign National
• Full Doc, Bank Statement, 1099 Only, and P&L programs, Foreign National, and DSCR available
• No reserve requirements ≤ 75% LTV, C/O proceeds can be used for reserves above 75% LTV
• Can use transferred appraisals

• Minimum DSCR 1.0
• No deposits required
• Max 70% LTV on Purchase & Rate-Term Refi
• Max 65% LTV Cash Out Refi
• Down to 675 Mid FICO
• Loan amounts down to $250K
• Loan amounts up to $3M
• Multifamily Residential Properties 5-24 Units
• Single Asset Entities Only
• Interest Only options available
• Minimum 6 months P&I in Reserve

• Income Docs: Two years 1099s & two months bank statements
• Max 80% LTV
• OO Only
• Min 600 FICO
• No FTHB
• Property Types: SFR / Condo / Townhome (No rural or units)

• Income Docs: CPA prepared P&L on CPA’s letterhead (Must cover most recent two years as well as YTD for the business) and most recent two months bank statements
• Max 80% LTV
• OO Only
• Min 600 FICO
• No FTHB
• Property Types: SFR / Condo / Townhome (No rural or units)

• Max 80% LTV
• OO Only
• Min 600 FICO
• Minimum 24 month rent or MTG history
• No FTHB
• Property Types: SFR / Condo / Townhome (No rural or units)
• Borrower cannot be employed by a family member

• Up to 70% Max LTV on Purchase and Refinance
• 575 or greater credit scores
• Max Loan $4M
• No minimum square feet
• Up to 103 LPC Non-Owner Occupied
• Resort, Airbnb, Daily Rentals acceptable
• Full Doc and Bank Statements available
• LLC or corporate closing available