A 40-Year Fixed-Rate Interest-Only Loan Program offers unique benefits, especially for borrowers looking for lower initial payments and long-term stability. Here are the key advantages:
Lower Initial Monthly Payments
The interest-only period significantly reduces monthly payments compared to traditional loans, freeing up cash flow for other investments or expenses.
Buying Power
Lower initial payments allow borrowers to qualify for larger loan amounts, making higher-priced homes more accessible.
Flexibility for Investments
Lower payments during the interest-only period can help borrowers direct funds toward other investments or financial goals.
Potential for Higher Cash Flow
Ideal for real estate investors who aim to maximize rental income while maintaining low operating costs.
Strategic Financial Planning
Borrowers expecting a higher income or financial growth in the future can benefit from this program by deferring principal payments.
Longer Amortization Period
The 40-year term spreads payments over a longer period, further reducing the cost of regular payments after the interest-only phase.
These loan programs are ideal for borrowers prioritizing cash flow management, long-term stability, and strategic financial planning. However, it’s essential to evaluate future financial goals and repayment plans before committing.
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
Borrowers can secure loans with FICO scores as low as 680 and enjoy loan-to-value (LTV) ratios of up to 85% for amounts up to $1,250,000.
DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports
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
Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite
Our Debt Service Coverage Ratio (DSCR) mortgage loan program is designed for investors, high-net-worth individuals, and self-employed borrowers. Qualification is based on the property’s rental
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs)
DSCR No Ratio/Foreign National Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) Foreign National loans OK
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
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
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
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
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
Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation,
“DSCR” stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits of DSCR Loans:
No Personal Income Verification – Approval is based on rental income.
Easier Qualification – Ideal for self-employed investors.
Flexible Loan Options – Available for various property types.
Fast Closing – Less paperwork speeds up approval.
For more details on DSCR and other loan programs, see below.
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
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
Unconventional Real Estate Investor (DSCR) Loan Program Debt Service Coverage Ratio – 620 Minimum Credit Score Underwriter Guideline Highlights: * Maximum LTV 85% Purchase Transactions
Non-QM Mortgage Broker | Self-Employed Home Loans Alternative Bank Statement Income Bank statement lenders apply varying underwriting guidelines for expense percentage ratios, also referred to
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,
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out * 90% LTV – $2,000,000 – 700 Credit Score * 90% LTV – $1,500,000 –
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out 80% LTV – $4,000,000 – 740 Credit Score 80% LTV – $3,500,000 –
Second Mortgage Bank Statement Loan Loan Purpose: Purpose: Second Mortgage/ Cash Out/ Debt Consolidation (cash out can be used to meet reserve requirement) Alternative Self-Employed