ATR-IN-FULL

Qualify with enough liquid assets to cover the loan balance

Program Details:

  • Loan Amounts up to $3M
  • Borrower does not have to pay to be currently employed
  • Only show two months of statements for qualifying account
  • Max LTV 70%
  • Owner Occupied of Investment Property
  • 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 80% Max LTV
  • Self-Employed and 1099 Borrowers
  • No reserves required at 65% or less LTV
  • No 4506T

DSCR

Debt Service Coverage Ratio

Program Details:

  • Max LTV 70%
  • Loan Amounts up to $1M (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 based on LTV

FOREIGN NATIONAL

International credit report or letter of good standing with current financial institution.

Program Details:

  • No income verification with loan amounts up to $1M
  • 1 to 4-unit properties
  • Qualify on DSCR
  • No income verification
  • 5yr / 7yr ARM & 30-year Fixed

INTEREST ONLY

Interest Only program offers loan amounts up to $3M

Program Details:

  • 80% 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 first payment
  • Available on 5/1 and 7/1 ARM

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ITIN

Valid U.S. Government issued ID

Program Details:

  • Loan Amounts up to $1M
  • 1 to 4-unit properties
  • No Reserve Requirements (depending on LTV)
  • 2-year income history
  • 75% Max LTV Purchase
  • 70% Max LTV Refinance
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