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Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. Investment
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Eligible Alt Doc Income Documentation: * Bank Statements – 12 Months * Bank Statements – 24 Months * Asset Depletion Primary Residence to $2,000,000 Credit
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs
12 Months Income Alternative to 24 Months As an alternative to the standard two years
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to