Archives July 2025

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

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

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: Condotels/Pudtels allowed

CONDOTEL

Hybrid property

• Max 70% LTV

• Reserves not required

• No min square feet

• Min 600 FICO

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

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