• Bank Statements (with a CPA letter we can use up to 90% profit margin)
• Profit and Loss Only (no bank statements needed to 3M)
• 1099 Only (Use 90% of reported Income)
• DSCR (High, Low & No Ratio options)
• Easy, aggressive Foreign National Program
• Asset Depletion (Assets divided by 60 months)
• ITIN
• Condotels
• Non-Warrantable Condos

Niche Products

• 90% to 2 Million
• Loans to 5 Million
• 2^nd lien – up to 750K
• Mid Primary Score used to qualify – Co-Borrower Score can be lower (540 min)
• 12 Months out of BK/Foreclosure
• Mixed Use- Residential to 10 Units
• Able to use the higher of the 1007 or lease agreement
• Full/Alt doc down to a 600 score

• Foreign National loans up 75% LTV over 5 million
• 100% Gift Funds on All products INCLUDING investments
• Zoned Residential Agriculture
• No seasoning on R&T loans
• No Limit cash in hand
• No additional reserves
• No Ratio loans to 75 LTV

We allow you to originate Business Purpose loans without a license in all states EXCEPT those below.

AZ, ID, MN, ND, NV, OR, PR, UT, VT