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All of the following loan programs are all unique or what is called a niche loan program.
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
Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. *
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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
FHA/ DPA Highlights Down Payment Assistance Purchase Only 580 Minimum Credit Score (middle of 3 or lower of 2) * Exceptions down to 500 Credit
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 manual
Bank Statement Loan Program for Self-Employed Borrowers Our programs are designed to simplify financing for self-employed and 1099 borrowers by using 12 months of bank
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.
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Primary Residence to $2,000,000 Credit Score Matrix Credit Score Purchase
12 Month and 24 Month Bank Statement Loan for Self-Employed Borrowers Non-QM Financing Options This Bank Statement Loan Program enables individuals with complex tax deductions
Home Loan Without Tax Returns Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement
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
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime
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
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
Profit and Loss (P&L) Loan Programs Mortgage qualification using a 12-month P&L statement, making it a flexible option for borrowers who don’t fit traditional mortgage
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our
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)
Unconventional Real Estate Investor (DSCR) Loan Program Debt Service Coverage Ratio – 620 Minimum Credit Score * Maximum LTV 85% Purchase Transactions * 80% Cash
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
Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your
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
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
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
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit Score
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
Carrington Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Prime Advantage (portfolio) Flexible
3 Months Bank Statements Alt Doc Type Three Months Bank Statements (business, personal or both (multiple accounts OK) accounts if income deposit activity can be
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking
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
Sole Proprietor Super Jumbo Loan Program – $7,500,000 1099 mortgage loan income documentation can accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK.
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
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,
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
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
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,
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
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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,
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are
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
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs
One Year “1099 Only” Income Reduced Doc Program for self-employed borrowers. Lite Doc option using just one year of 1099 income—no full tax returns needed.
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-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay,
Real Estate Investor Loan Program Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple
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
Non-Qualified Mortgage Lender Serving California Business Owners Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Non-Prime – No Income and No Employment DTI up to 60% (back-end dti) – total monthly payment sum divided by your total monthly payments (as
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+
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
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
This loan program is designed for home-buyers (purchase transaction) and home-owners (refinance transaction) that do not want to provide (Form 4506-T not required and Form
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate /
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
Alt Doc (24 Months) – Bank Statement Program Stated Income / Verified Asset mortgage program for borrowers that own their own business. Business entity types:
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals
High LTV Super Jumbo Commercial Loan Program Meet our Commercial Jumbo Loan Program offering up to 80% LTV on loans up to $6,000,000. Perfect for
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
Self-Employed Primary Borrower Self-Employed Bank Statement Loans are ideal for self-employed borrowers when tax returns/ Full Doc doesn’t apply Alt Doc (24 months) – Bank
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
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