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Wholesale Lenders We Offer

Acra Lending

  • Modified Date: 09/28/2025 || Published Date:

Acra Lending

  • Modified Date: 09/28/2025 || Published Date:
Lender Description: Acra Lending is a Non-QM Wholesale Mortgage Lender. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

12-Month Bank Statement

Loan Program A Description: 12-month bank statement program offers up to 90% LTV and 80% cash-out options. We accept both personal and business bank statements, making it easier for self-employed borrowers and wage earners to qualify. Hybrid income sources are allowed, and we use the primary earner’s FICO score for qualification. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

Investor Cash Flow DSCR

Loan Program B Description: DSCR Investor Cash Flow program for 1-4 unit properties offers up to 80% LTV and 75% cash-out, with loan amounts ranging from $100K to $3M. No investor experience or reserves are required, and only a one-month asset statement is needed for funds to close. Borrowers can also close in an entity for added flexibility. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

Program Matrix

Foreign National DSCR

Loan C Description: Foreign National DSCR program for 1-4 unit properties offers up to 75% LTV for purchases and 70% for refinances, with loan amounts ranging from $100K to $3M. No reserves are required, and there’s no vacancy factor applied. Borrowers can use foreign bank accounts, and only a two-month asset statement is needed for funds to close. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-896

Program Matrix

ITIN Investor

Loan Program D Description: ITIN loan program offers up to 80% LTV and 75% cash-out, with loan amounts from $100K to $1M. Borrowers can qualify with a minimum 650 FICO or no FICO score at all. We accept various income documentation, including full-doc, bank statements, WVOE, 1099, and P&L. No EAD or visa is required for eligibility. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

Program Matrix

P&L Only Program

Loan Program F Description: P&L Only program offers up to 75% LTV and 70% cash-out, with loan amounts ranging from $100K to $4M. Borrowers need a minimum 650 FICO and must provide a one-year P&L plus a year-to-date statement. Only three months of bank statements are required for qualification. Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

ATR-in-Full

Loan Program G Description: ATR-in-Full Questions? Speak ~~~~~~~~~~~ to a Live Loan Officer (800) 718-8906

Program Matrix

Corporate