Non-QM Mortgage Broker
Non-Qualified Mortgage Lenders
Top level Non-QM lender for Prime, Non-Prime Portfolio Product
"Non-QM Tips & Tricks" on Bank statements, 1099 Only and K-1 Only. Tax Returns, Transcripts - Not Required
Top 5 Rated Non-QM lender in the United States
Income Doc Types Available
Bank Statement Programs: 1 Month, 2 Months, 3 Months, 6 Months, 12 Months, and 14 Months
12 Months Personal Bank Statement Program - 100% deposit utilization. Multiple bank accounts from both personal and business accounts with credit scores down to 620 to 80% LTV and 660 to 90% LTV. Interest-Only with a 30 year 40 year terms available.
Qualifying Income is the Lower of the Following Two Options
Borrower Prepared P&L Statement should be supported with business bank statements. Can "gross up" P&L 115%.
Expense Factor 15% to 85% depending realistic numbers based on business scope including industry, service/product/manufacturing, B2B, B2C, etc. CPA, Tax Professional or Business Associate Prepared P&L
Additional Income Deposited
W2's wage earner full doc income, 1099 sole proprietor business, rental income, distribution payment (unseasoned OK), asset utilization, social security, child support, alimony, Airbnb, side business. Transfers from other accounts must be sourced and not seasoned
True DSCR
No Ratio - 80% LTV. ADU Income OK. 620 Credit Score. Gift Funds
No employment or REO conditions, 75% LTV to $$4,000,000, 70% to $4,500,000 and /65% LTV to 4 $5,000,000
Asset Depletion Options
Eligible Reserves
Cash Out can be used for reserve requirement
Bitcoin now accepted as liquid assets for qualifying purposes, down payment, closing costs - OK
First Time Homebuyers (FTHB) - OK
First Time investors Available - Jumbo Loans to 90% LTV
Terms
30 and 40 Year Fixed and Interest Only Options on Fixed Rates
| Mortgage Pre-Qualification Form - No Credit Check |