This lender is a direct-lender, and they make their own manual underwriting decision. Major credit events only require 3 years seasoning. This is good for borrower that fall outside the Non-QM box with credit scores as low as 640 and minimal tradelines required. Flexible "expense factor" options for the bank statements both business and personal. Cash Out to $1,500,000. Additional details below.

LTV/Loan Amount/Credit Score Matrix

  • 90% LTV to $2,500,000 - 700 Credit Score
  • 85% LTV to $2,500,000 - 700 Credit Score

Bank Statement Income Documentation Options

  • 12 Months Personal or Business Bank Statements
  • 24 Month Personal or Business Bank Statements
  • Asset Based Feature for additional qualifying Income

Maximum Debt-to-Income Ratio (DTI)

  • 55%

Property Types

  • Single Family Residence (SFR)
  • 2-Unit
  • 4-Unit


  • Owner-Occupied/Primary Residence
  • Second Homes
  • Non-Owner-Occupied/Investment

Available Terms

  • 15 Year Fixed - Interest Only Allowed
  • 30 Year Fixed Interest-Only Allowed
  • 40 Year Fixed and Interest-Only Allowed

Additional Underwriting Highlights

  • Non-Occupant Co-Borrowers - Allowed
  • First Time Buyers OK
  • Non-Permanent Resident Aliens - OK


Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.