Prime & Non-Prime | Self-Employed Borrowers
Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks, lending both their own capital and through established portfolio commitments.
Credit Flexibility & Underwriter Discretion
- Major credit events: Only 2 years seasoning required
- Mortgage lates allowed:
- Up to 3×60-day lates within 24 months (including rolling lates)
- Up to 3×30-day lates within 12 months (including rolling lates)
- Borrowers are reviewed as individuals—not just numbers
Niche Lending Solutions
- Credit scores as low as 600 accepted
- Minimal tradeline requirements (manual underwrite)
- Ideal for unique borrower profiles who may not fit standard Non-QM programs
LTV / Loan Amount / FICO Matrix
| LTV | Max Loan Amount | Min FICO |
|---|---|---|
| 90% | $3,500,000 | 660 |
| 85% | $2,500,000 | 640 |
| 80% | $3,000,000 | 650 |
| 75% | $3,500,000 | 680 |
| 70% | $4,000,000 | 700 |
Bank Statement & Income Documentation Options
- 12 or 24 Months Personal or Business Bank Statements
- 1099-Only for Sole Proprietors / Independent Contractors
- Flexible expense factor based on business type & model
- Asset-based income features available for higher LTVs and loan amounts
- Cash-out available up to $2,500,000
Maximum DTI Ratios
- 55% up to $2,500,000
- 50% up to $3,000,000
- 43% up to $3,500,000
- 38% up to $4,000,000
Eligible Property Types
- Single-Family Residence (SFR)
- 2-Unit: Max $2,500,000 loan amount
- 4-Unit: Max $2,000,000 loan amount
Occupancy Options
- Owner-Occupied / Primary Residence
- Second Homes up to 85% LTV
- Non-Owner-Occupied / Investment
Available Terms
- 15-Year Fixed – Interest-Only Available
- 30-Year Fixed – Interest-Only Available
- 40-Year Fixed – Interest-Only Available
Additional Highlights
- Non-Permanent Resident Aliens Accepted
- Non-Occupant Co-Borrowers Allowed
- First-Time Buyers Welcome
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.