Products

Non-QM Loans Designed For Loan Originators

DU/DO Full Doc

Salaried and/or Self-Employed
$3,000,000 Max Loan Amount
95% Max LTV
600 Min FICO
45% Max DTI
DU/DO for Income & Assets
Interest Only ARMs & Fixed
Standard Tradelines Required

2 Year Full Doc

Salaried and/or Self-Employed
$5,000,000 Max Loan Amount
95% Max LTV
500 Min FICO
55% Max DTI
2 Months Min Reserves
Interest Only ARMs & Fixed
Limited/No Tradelines - Max 75%

1 Year Full Doc

Salaried and/or Self-Employed
$5,000,000 Max Loan Amount
85% Max LTV
620 Min FICO
50% Max DTI
2 Months Min Reserves
Interest Only ARMs & Fixed
Limited/No Tradelines - Max 75%

2 Mo. Bank Statements

Self-Employed (+ wage earner)
$5,000,000 Max Loan Amount
90% Max LTV
580 Min FICO
50% Max DTI
4 Months Min Reserves
Interest Only ARMs & Fixed
Standard Tradelines Required

12 Mo. Bank Statements

Self-Employed (+ wage earner)
$5,000,000 Max Loan Amount
90% Max LTV
620 Min FICO
50% Max DTI
4 Months Min Reserves
Interest Only ARMs & Fixed
Standard Tradelines Required

24 Mo. Bank Statements

Self-Employed (+ wage earner)
$5,000,000 Max Loan Amount
90% Max LTV
580 Min FICO
50% Max DTI
4 Months Min Reserves
Interest Only ARMs & Fixed
Limited/No Tradelines - Max 75%

Asset Depletion + Other

Qualifying Assets/180 = Mo. Inc.
$1,500,000 Max Loan Amount
75% Max LTV
680 Min FICO
50% Max DTI
4 Months Min Reserves
Interest Only ARMs & Fixed
Standard Tradelines Required

VOE Only

Salaried Only
$5,000,000 Max Loan Amount
80% Max LTV
620 Min FICO
50% Max DTI
4 Months Min Reserves
Interest Only ARMs & Fixed
Standard Tradelines Required

"The Catch-All"

ITIN, P&L Only, 12 Mo. Bk Stmt...
$6,000,000 Max Loan Amount
85% Max LTV (80% CA & IL)
580 Min Trans Union Only FICO
55% Max DTI
No Min Reserves
30 Year Fixed Only
Standard Tradelines Required

Investor DSCR

No Stated Inc./Stated Empl.
$5,000,000 Max Loan Amount
80% Max LTV
620 Min FICO
Rent > PITIA or ITIA (1.0+ dscr)
No Reserves (6 mo if > $1.5M)
Interest Only ARMs & Fixed
Standard Tradelines Required

Investor No Ratio

No Stated Inc./Stated Empl.
$5,000,000 Max Loan Amount
75% Max LTV
640 Min FICO
OK if Rent < PITIA or ITIA)
No Reserves (6 mo if > $1.5M)
Interest Only ARMs & Fixed
Standard Tradelines Required

Foreign National No Ratio

No Stated Inc./Stated Empl.
$5,000,000 Max Loan Amount
75% Max LTV
620 Min FICO or No FICO
OK if Rent < PITIA or ITIA)
12 Months Min Reserves
Interest Only ARMs & Fixed
Limited/No Tradelines - Allowed

Foreign National Full Doc

Salaried and/or Self-Employed
$5,000,000 Max Loan Amount
75% Max LTV
620 Min FICO or No Credit
50% Max DTI
12 Months Min Reserves
Interest Only ARMs & Fixed
Limited/No Tradelines - Allowed

Investor Bridge

No Stated Inc./No Stated Empl.
$5,000,000 Max Loan Amount
80% Max LTV
600 Min FICO
No DTI Calc
3 Months Min Reserves
12, 18 or 24 Month Interest Only
Standard Tradelines Required

Investor Fix & Flip

No Stated Inc./No Stated Empl.
$5,000,000 Max Loan Amount
85% Max LTC (Loan-to-Cost)
600 Min FICO
No DTI Calc
3 Months Min Reserves
12, 18 or 24 Month Interest Only
Standard Tradelines Required