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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.
Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions—whether due to unique
3 Month Non-Prime Bank Statement Mortgage Loan Program We offer a flexible 3-month bank statement program as an alternative to traditional 6-, 12-, or 24-month
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 Loan is tailored for self-employed borrowers and those with alternative income sources. Qualify for up to 90% income deposit utilization to qualify for your next Non-QM alt doc income documentation mortgage.
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
680 Credit Score to $3,000,000 Loan Amount Our Debt Service Coverage Ratio (DSCR) mortgage loan program is designed for investors, high-net-worth individuals, and self-employed borrowers.
Clear Edge Lending Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans
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)
Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements
Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor
Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with
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 determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and
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
Purchase or Cash Out Refinance 620 Credit Score The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service
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. Questions? Speak to a Loan Officer (800) 718-8906.
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
3 Month Bank Statement Loan Program – 2024 Our flexible loan options cater to those who have had an exceptional last 3 months. Instead of
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
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,
This Alt Doc loan program is for buyers that have extraordinary or unconventional income and documentation including self-employed borrowers and fixed income along with previous
Non-QM loan for self-employed borrowers looking for a flexible home loan option without traditional income verification? The 1-Month Bank Statement Mortgage Program is a Non-QM
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key for qualifying without traditional income proof. Flexible underwriting for self-employed home loans.
Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.
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 A Second Mortgage Bank Statement Loan is an ideal solution for homeowners looking to access their home equity without traditional
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
Stated Income / Verified Asset mortgage program for borrowers that own their own business. Business entity types: c corporation, s corporation, LLC, partnerships. Loan Scenario