Single Family

12-MONTH BANK STATEMENT

Qualify with 100% on personal account deposits and 50% on business account deposits

• Loan amounts up to $4M
• Max 90% LTV
• Min 600 FICO
• Self-Employed and 1099 Borrowers

INVESTOR CASH FLOW / DSCR

Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos

• Loan amounts up to $3M
• Min 600 FICO
• Non-Owner Occupied only • No income or job verification

FOREIGN NATIONAL

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

• Loan amounts up to $3M
• Max LTV 75% Purchase / 70% Refinance
• No income, job, or credit required
• Non-Owner Occupied only

INTEREST ONLY

Interest Only program offers loan amounts up to $4M (O/O)

• Max 90% LTV
• Min 650 FICO
• 5yr IO on 30yr Term
• 10yr IO on 40yr Term

ITIN

Individual Taxpayer Identification Number

• Loan amounts up to $1M
• Max LTV 80% Purchase / 75% Refinance
• 2-year income history
• Qualify Full Doc or 12-Month Bank Statement or DSCR

JUMBO NON-QM

Qualify with Full Doc & Bank Statements

• Loan amounts up to $10M
• I/O available with a 650+ FICO
• C/O available with no max cash in hand depending on LTV
• C/O proceeds can be used for reserves

ATR-IN-FULL

Qualify with enough liquid assets to cover the loan balance

• Max LTV 75% Purchase / 70% Refinance
• Min 600 FICO
• Borrower does not have to be currently employed
• Only show 2 months of statements for qualifying account

CONDOTEL

Hybrid property

• Max 70% LTV
• Reserves not required
• No min square feet
• Min 600 FICO