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  • No Ratio Loans

    No Income-No Ratio

    Interest Only Options Available

    Max-Loan Amount $2,500,000

    1-4 Unit Properties & Condos

    Refinance up to 65% Rate & Term

    Refinance up to 60% Cash Out

    Minimum FICO Score-700

    Investment Properties Only

    Gift Funds Allowed for Downpayments

    No Limit on Financed Properties

  • Non-QM-DSCR Loans Up To 8 Units

    *DSCR – no minimum ratio

    *NEW – DSCR to 8 Units and Mixed Use

    *Bank statements, 1 year tax return – to 90% LTV / P&L and VOE only to 80% LTV / Investment Purchase to 85% LTV

    *6 jumbo programs (most cover high balance) NOW UP TO $5M

    *Interest only, 30 and 40 year terms

    *ITIN up to 85% LTV

    *1 year credit events

    *1-1, 2-1, and 3-2-1 buy-downs available on government and conforming and Jumbo Plus

    *NEW – 2nd Lien to 90% CLTV full doc or 85% CLTV alt doc

  • Home Equity Loans

    • Up to 85% CLTV
    • Full Doc
    • 1yr Self-employed OK
    • 3mo BKST + 12mo
    • 1099 Only OK
    • DSCR OK
    • ITIN OK
    • DACA OK
    • Primary, 2nd home & investment Options
    • $75Kmin Loan Amount
    • NO Reserves Required
    • Loan Amounts Up To $750K

  • One Year Bank Statement Loan with 100% Gift Allowed

    • 600 Min FICO to 80% LTV
    • Up to 90% LTV with 700+ FICO
    • Loan Amounts to $4 million 
    • 80% LTV Cash-out OK
    • Interest Only Available
    • 3 & 12 Month Options
    • FTHB Allowed
    • 100% Gift Funds Allowed
    • Cash-out can be used as Reserves
    • Personal or Business Statements Allowed

  • DSCR-Cash-Flow Debt Service Coverage

    The following are highlights of DSCR Loans that are available from out lender:

    • No-Income-No-Ration
    • Max Loan Amount is $2,500,000
    • Interest Only Options
    • 1-4 Unit Properties
    • 70% Loan to Value on Purchas
    • 65% Loan to Value for Rate/Term Refinance Loans
    • 60% Loan to Value Refinance with Cash Out
    • 700 Minimum FICO Score
    • Investment Property Only
    • Gift Funds Allowed for Down Payment
    • No Limit on Financed Properties