Program types
Find the right program for your deal
Standard Doc
Min 620 FICO – Up to 90% LTV
- No tradeline requirement w/ 3 credit scores
- Non-perm up to 90% LTV
- DTI up to 55%
- Unlimited cash-in-hand
- Cash-out used for reserves
- SFR, condotels, condos, studios, 2-4
- Loan amounts up to $4m ($5m preferred brokers)
Bank Statements
Min 620 FICO – Up to 90% LTV
- No tradeline requirement w/ 3 credit scores
- 50% standard expense
- Min 10% expense with accountant letter
- Non-perm up to 90% LTV
- Unlimited cash-in-hand
- SFR, condotels, condos, studios, 2-4
- Loan amounts up to $4m ($5m preferred brokers)
Profit & Loss Only
Min 660 FICO – Up to 80% LTV
- No tradeline requirement w/ 3 credit scores
- No bank statements
- Non-perm up to 80% LTV
- Unlimited cash-in-hand
- CPA, EA, CTEC, PTIN accepted
- Loan amounts up to $3m
Asset Utilization
Min 640 FICO – Up to 85% LTV
- No tradeline requirement w/ 3 credit scores
- 100% of checking, savings, money market
- 70% of stocks, bonds, mutual funds
- Loan amounts up to $3.5m ($5m preferred brokers)
DSCR Loans (1–4 units)
Min 620 FICO – Up to 80% LTV
- No deposit sourcing
- No minimum DSCR ratio up to 75% LTV
- AIR DNA & STR income accepted
- Unlimited cash out up to 80%
- Rural up to 20 acres allowed
- Loan amounts up to $5m preferred brokers
Foreign National
No FICO or 680 – Up to 80% LTV
- Bank statement and P&L up to 80% LTV
- DSCR ≥ 1 up to 75% LTV
- No deposit sourcing / no visa required
- No asset seasoning in US account
- Loan amounts up to $2.5m
1099 Only
Min 620 FICO – Up to 90% LTV
- 12/24 month average minus expense ratio
- Non-perm up to 80% LTV
- Unlimited cash-in-hand
- Loan amounts up to $4m ($5m preferred brokers)
DSCR (5–8 units & mixed use)
Min 700 FICO – Up to 75% LTV
- Min DSCR of 1
- Commercial space <50% allowed
- Cash-out up to 65% LTV
- Loan amounts up to $3m
WVOE Only
Min 660 FICO – Up to 80% LTV
- No tax return, W2, or paystubs
- 2 months bank statements required
- Non-perm up to 80% LTV
- Loan amounts up to $3m
Closed End Second
Min 660 FICO – Up to 90% CLTV
- Loan amounts up to $500k ($750k case by case)
- Combined loan amount up to $5m
- Standard doc, bank statements, P&L, WVOE & 1099 income types
- Primary, second homes, and investment
Owner-occupied
Primary or second home purchase and refinance.
Standard Doc · Bank Statements · P&L Only · WVOE Only · 1099 Only · Asset Utilization · Seconds
Investment & business-purpose
Rental income and investor deals.
Standard Doc · Bank Statements · P&L · 1099 · Asset Utilization · DSCR · Foreign National · Seconds
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