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Below is the latest list of all of our Loan Programs for 2025 from all of the top Qualified Mortgage (QM) and Non-Qualified (Non-QM) Mortgage lenders in the United Stated from all of the major QM & Non-QM industry ”investors”.
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or
Qualify using just 3 months of bank statements. Our Jumbo Bank Statement Loan offers up to 90% LTV and loan amounts to $5.5 million for self-employed borrowers.
This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.
Our Portfolio Closed End Second program with Alt Doc, 1099 Only, Bank Statement, and P&L Only mortgage solutions.
Foreign National DSCR loan program for business purpose investment properties. Up to 75% LTV, $3,000,000 loan amounts, and 680+ credit score required.
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Flexible DSCR No Ratio loans up to $3,500,000 with LTVs to 85%. Available for purchases, refinances, and cash-out up to $500K. Eligible for SFRs, condos, non-warrantable condos, and multi-units.
Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
Closed-End Bank Statement Second Mortgage This program is a closed-end, fixed-rate second mortgage option designed for self-employed individuals and real estate investors, who may not have traditional income documentation. The lender facilitates financing by relying on bank statement documentation, offering a flexible, non-QM (non-Qualified Mortgage) solution. Key Features and Terms:
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose loans, short-term rentals, and investment property acquisitions.
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 income documentation, past credit events, or higher loan amounts. Manual Underwrite available. Non-Prime Program Highlights * Loan Minimum Credit Score 580 * Loan Amounts: $100,000
No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. No income disclosed or documented: * No DTI calculated * Designed for primary, second home, and investment properties * Available for purchases, rate/term, and cash-out refis * Minimum: $100,000 Loan Amounts: * Maximum: $3,000,000 (up to
Stated Income Home Loan Program This Stated Income Home Loan program provides flexible financing solutions for owner-occupied properties, allowing borrowers to qualify without traditional income documentation. Eligible Transactions * Purchase, Rate/Term Refinance, and Cash-Out Refinance * Debt Consolidation (paying off personal debt qualifies as rate/term) Loan-to-Value (LTV) & Credit Score
FHA/ DPA Highlights Down Payment Assistance Purchase Only 580 Minimum Credit Score (middle of 3 or lower of 2) * Exceptions down to 500 Credit Score * Manual Underwriting – Yes * First Time Buyer – OK * DTI to 56% * 100% LTV – You 96.5% and DPA –
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank statements, with financing up to $4 million and loan-to-value ratios as high as 90%. Flexible terms, multiple property types, and no mortgage insurance make this
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing. Key Benefits of a
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 Refinance R/T Refinance Cash Out 720 90% 85% 80% 700 90% 85% 80% 680 85% 85% 80% 660 80% 80% 75% 640 80% 80% 70%
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
Qualify For a Loan Using Your Assets Your clients can leverage their assets – with no haircuts – using Logan’s Asset Qualification for Alt-Doc loan product. Assets such as savings, stock portfolios, and other liquid assets, are eligible at 100% as collateral. Key features: 110% of the loan amount, plus
Who Qualifies for This Loan Loan Terms & LTV Guidelines Refinancing & Cash-Out Options Borrowers may qualify for cash-out refinancing with unlimited cash at closing, provided LTV requirements are met. Geographic Coverage This loan program is available in all 50 U.S. states. Special Borrower Scenarios & Flexibility Documentation & Underwriting
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 Program provides eligible self-employed borrowers the flexibility to qualify for loan amounts up to $5 million using personal or business bank statements instead of tax
Real Estate Investors & DSCR Loans 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 your clients but also builds your loyal and growing customer base. DSCR Program Feature Highlights: * Jumbo Loan Amounts
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. Qualification is based on the property’s rental income, with DSCR calculated as gross rental income divided by P(I)TIA. This program accommodates 1-4 family homes, condos,
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 plans. Ideal for expanding your client base in Non-QM lending. P&L Only Program Highlights * $4,000,000 Maximum Loan * 85% LTV Purchase / Rate/Term Refinance
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) with interest-only options or fixed-rate products. The program allows for loan-to-value (LTV) ratios of up to 80%, with loan amounts ranging from $200,000 to $4,000,000.
Unconventional Real Estate Investor (DSCR) Loan Program Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors seeking aggressive financing with preferential terms. With a minimum credit score requirement of just 620, qualified borrowers can secure up to 85% LTV on purchase transactions and up to
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 starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000. Investor
DSCR Mortgage – Social Security Number Not Required 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 a minimum DSCR of .75 and loan amounts up to $4,000,000. Short-term rentals are eligible, and for
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 purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. And here’s the winning advantage: our free concierge service, FAST Lane,
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 Requirements * 90% LTV- 700 Credit Score * 85% LTV- 680 Credit Score * 80% LTV – 640 Credit Score * 75% LTV, 620 Credit
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 identified and makes sense. If there’s income deposit activity, provide statements from that account. Include Asset Based Income Doc Option. Non-Prime 3-Month Bank Statement Mortgage
Product and Service Created: 16 September 2014 ||| Last Updated: 06 February 2025 Investor Purchase Loan Program Real Estate Investor Loan: Up to 12 Financed Properties – OK 680 Middle Credit Score | 85% Maximum LTV Borrower can own unlimited properties, but only 10 can have a mortgage lien No Ratio
Jumbo Bank Statement Program – 640 Credit Score Self-Employed including 1099 Independent Contractors as well as W2 Commission Professionals. 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account for business expenses, income deposits, transfer activity. In addition, this program
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, it uses alternative methods like bank statements to assess a borrower’s financial ability, making it a flexible option for those who may not meet standard
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 – 720 Credit Score 90% LTV – $2,500,000 – 700 Credit Score 90% LTV – $1,500,000 – 680 Credit Score 85% LTV – $2,500,000 – 660
Stated Income / Verified Assets Mortgage This Stated Income / Verified Asset mortgage loan program is for borrowers that own their own business and also have liquid reserves equal to 12 months of the proposed housing expense. Loan Scenario Form – Credit Check Not Required True California Stated Income Programs