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This 12-Month Bank Statement Jumbo Program is designed for self-employed borrowers and those with non-traditional income sources, providing flexible financing options for high-value properties. * Purchase / Rate & Term:
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your qualifiable income. This
Non-QM Mortgage Broker Service We can have the income figured out $X/Mo) and signed off to the dollar to make sure the numbers fit before jumping through all the hoops of
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime
1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a Cash Out Refinance, you have
P&L Only Mortgage Loan Program The 12-Month P&L Only Loan Program offers a streamlined alternative documentation solution for borrowers with complex tax returns. Use profit and loss statements prepared by
One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term | 85% LTV – 680
Six Alternative Income Verification Options – This Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is
The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance Income Documentation: Full Doc or
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either provide one year W2 alongside
Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use higher of current market rent
2024 Update: Credit Score Requirement: 680 Minimum Purpose: Purchase, Refinance and Cash Out Refinance ** Purchase and Rate/ Term Refinance to $3,500,000 & 80% LTV** Cash Out Refinance to $1,500,000
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes qualifying simple: The only income
“DSCR” stands for Debt Service Coverage Ratio Loans. Additional loan programs information below.
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T
Bank Statement Program Business Descriptions and Information One thing that you should know about qualifying or getting pre-qualified for a bank statement loan is the Non-QM lender will always require
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This is just another benefit of
Stated Income / No Doc This program is an asset-based lender Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK Residential and commercial properties Available