ATR-IN-FULL

Qualify with enough liquid assets to cover the loan balance

Program Details:

  • Borrower does not have to pay 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

12-MONTH BANK STATEMENT

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

Program Details:

  • Loan Amounts up to $3M
  • Up to 85% Max LTV
  • Self-Employed and 1099 Borrowers
  • No reserves required at 65% or less LTV
  • No 4506T / No K1’s / No P&L’s
  • No MI

DSCR

Debt Service Coverage Ratio

Program Details:

  • Max LTV 80%
  • Loan Amounts up to $2M (N/O/O)
  • 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
  • Minimum DSCR 0.8:1.0

FOREIGN NATIONAL

Letter of good standing with current financial institution or international credit report

Program Details:

  • No income verification
  • No Reserves
  • 1 to 4-unit properties
  • Qualify on DSCR
  • No income verification
  • 5yr / 7yr ARM & 30-year Fixed
  • Non-Owner Occupied only
  • 65% Max LTV Purchase
  • 60% Max LTV Refinance

INTEREST ONLY

Interest Only program offers loan amounts up to $3M

Program Details:

  • Loan amounts up to $3M
  • 85% 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

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ITIN

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
  • 75% 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
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