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Qualify with Investor Cash Flow / DSCR on the subject
property

• Non-Owner Occupied Only
• No income or job verification
• No Prepay Options available

Qualify Self-Employed borrowers with 12 months bank statements in
lieu of tax returns. No 1040s, 1120s, K1s, or IRS transcripts

• 12 or 24 Months
• Self Employed and 1099 Borrowers
• Max 90% LTV Purchase

Loan amounts up to $4M (Higher amounts available case-by-case)

• $4M-$10M case-by-case
• Qualify with all programs
• Foreign Nationals accepted

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

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