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Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance Income Documentation: Full Doc or DSCR (Debt Service Coverage Ratio)Eligible DSCR and LTV Ratios:Debt Service Coverage Ratio (DSCR) .75% – 1.5% Loan-to-Value (LTV): 80% Purchase and 75% Cash Out Refinance […]

Super Jumbo DSCR $4,500,000

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 higher of current market rent or lease stating rental income, depending on the scenario. No limit to number of financed properties and no resverve requirement increase. DSCR – Short-Term Rental […]

DSCR Super Jumbo to $5,000,000 Cash Out

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 qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. Cash Out Refinance The DSCR […]

DSCR Loans

“DSCR” stands for Debt Service Coverage Ratio, a critical metric in assessing the ability of a borrower to cover their debt obligations with their income. In the context of a niche loan program, here’s a summary: For clients with a strong credit history, the program offers up to 80% Loan-to-Value (LTV) ratio, requiring a minimum FICO score of 740 and providing a maximum loan amount of $3.5 million. This tier is suitable for borrowers seeking substantial financing while maintaining excellent credit standings. Additionally, the program offers another tier featuring a 55% DTI ratio, targeting borrowers with a minimum FICO score of 660. This tier is designed to accommodate various scenarios including purchases, rate and term refinancing, and cash-out refinancing. It allows borrowers with slightly lower credit scores to access financing options while still offering competitive terms.

Investment Cash Out Loans

Investment Property Cash Out Refinance Add Your Heading Text Here Purchase Loans – Alt Doc Refinance Loans – Alt Doc Credit Score Tools One Month Bank Statement Loan 3 Month Bank Statement Loans Jumbo Mortgages Cash Out Refinance Bank Statement Loan Niches Jumbo Bank Statement Loans Non-QM Lending Add Your Heading Text Here

Investment Property – Refinance Loans

Investment Refinance Loans – Guidelines and Highlights. Below is a list of some of our Refinance “Investment Property” loan programs.

Let us know if you have any questions. Call Customer Service 800-718-8906 to speak with a Mortgage Expert or fill out a Pre Qualification form.

Investment ((Alt Doc)) Refinance Loans

Explore our array of Alt Doc Multi-Unit Refinance loan options tailored for real estate investors. For inquiries, reach out to our Customer Service team at 800-718-8906 to connect with a Mortgage Expert. Alternatively, you can access our Pre-Qualification Form above, ensuring a hassle-free process with no credit check required.

Investment Property Loans – ALT D0C

Alternative income and employment documentation investment property purchase loans for both owner-occupied and non-owner occupied for to see, research, and utilize. Call customer Service @ 800-718-8906 or see our Pre-Qualification Form – No Credit Check form above.

Super Jumbo Construction Loans

Super Jumbo Construction Loans – Guidelines and Highlights. Below is a list of some of our “Super Jumbo” Construction loan programs.
Let us know if you have any questions by calling Customer Service 800-718-8906 to speak to a Mortgage Expert or see our a Pre Qualification form – No Crerdit Check Form above.

Multi Unit Property Loans Purchase Loans

Below is a list of some of our “Multi Unit” loan programs for both Owner Occupied and Non Owner Occupied borrowers. Questions? Call and speak to a qualified Mortgage Loan Officer (800) 718-8906 and speak with a Mortgage Expert or fill out a Pre Qualification form. These programs are for the multi-unit property investors.

Hard Money Loan Asset Based Program

This program is an asset-based lender Stated Income / No Doc Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK Residential and commercial properties Available in the Following States: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Nevada, New Hampshire, New Jersey, North […]

Investment Property Loans

Guidelines and Highlights: Below is a list of some of our “Investment Property” loan programs.

Let us know if you have any questions. Discover your pre-qualification status with us.
Speak to a licensed Loan Officer: 800-718-8906. Pre Qualification form (no credit check).

Investment Purchase Loans

Below is a list of some of our “Investment Property” Purchase loan programs. Questions? 800-718-8906 to get in touch with a qualified Mortgage Loan Officer.

Stand-Alone Second Mortgage

A Stand-Alone Second Mortgage, also known as a second lien mortgage, enables borrowers to unlock equity while retaining their current first lien mortgage and low interest rate. This mortgage loan program is applicable for primary residences, second homes, and investment properties. A minimum credit score of 640 is required, with loan amounts reaching up to […]

All Loan Programs

All Loan Programs Contact a Loan Officer Please enable JavaScript in your browser to complete this form.Name *Email *PhoneYour Message: Submit

Self-Employed Borrower Mortgages

Self-employed individuals seeking mortgages often encounter challenges in verifying their employment status. However, various Verification of Employment (VOE) documentation option programs exist to address this issue. These programs offer tailored solutions for self-employed borrowers. Self-employed borrowers, with their Mortgage Loan Officer can navigate the mortgage approval process more smoothly and access financing options that align with their unique employment circumstances.

Tax Returns Not Required

Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income and assess the borrower’s financial stability. However, self-employed individuals may encounter complexities due to fluctuations in income, deductions, and business expenses. Non-Qualified mortgage lenders offer specialized loan programs that cater to self-employed borrowers, considering alternative forms of income verification. Working with knowledgeable lenders can help self-employed individuals navigate the loan process more effectively while meeting the necessary tax return requirements.

Rehab Loans

Rehab loans are frequently utilized by our Fix-n-flip investor clients, catering to their unique needs in real estate ventures. Our focus extends beyond conventional options, as we specialize in providing unconventional rehab mortgages and loans. Whether you are a seasoned investor or new to the fix-and-flip market, our services are designed to support and guide you through the intricacies of securing the right rehab financing for your projects.

Real Estate Investor Loans

Real estate investors, discover your pre-qualification options and unlock your potential for success. At our firm, we thrive when you succeed, and we’re committed to helping you find the financing solutions that match your investment goals.

Non-Warrantable Condos

In the realm of mortgage lending, a “non-warrantable” condominium denotes a property that does not meet the criteria for Fannie Mae or Freddie Mac purchase. Consequently, mortgages associated with such properties cannot be sold to these entities. Therefore, if you intend to acquire a non-warrantable condo, you’ll require the assistance of an unconventional lender or loan program that specializes in these types of properties.

Bank Statement Alt Doc – 3 Months

3 Months Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month options for credit scores > 700. Income combinations OK: Co-Borrower W2’s + 30 days most recent paycheck stubs. Asset depletion, etc. Minimum 620 credit score […]

Jumbo Non-QM – Bank Statements or 1099 Only

New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 600 minimum credit score to qualify for 85% LTV Cash Out for refinance loans and 15% down payment purchase loan. * Loan amounts >$2,000,000 – 2 Appraisals Required. One Appraisal Required to $2,000,000 * Self-Employed Borrowers and Non-QM Lenders Non-QM lenders are […]

California Hard Money Jumbo – 80% LTV

Jumbos and Super Jumbos – Cash-Out – 600 Credit Score Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80% on Investment properties all throughout California. Airbnb rental income, OK. Direct lender out of Irvine California focusing on value-add residential, commercial and Business Purpose mortgages. Second Mortgages also Available. Private […]

Non-QM Lender – California

Non-QM Mortgage Broker Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable terms, and advantageous approval conditions (Conditional Loan Approval | CLA)) Non-Qualified Mortgage Lender Serving California Business Owners Proper service will increase your chances of getting approved for a reasonable mortgage […]

Fix and Flip Program

Hard Money Loan Program Guideline Overview Property Types: * SFR (Single Family Residence) * 1-2 Units * 2-4 Units Loan-to-Value (LTV) Ratios: * 80% LTP (Loan-to-Purchase) + 100% of Rehab Expense * 70% ARV (After Repair Value) Reserves Not Required Interest-Only Payment Term Available Loan Amounts: * $250,000 – $7,500,000 Available in the Following States: […]

Super Jumbo Investor – 30 million

Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Refinance – *Unlimited Cash-Out* Bank Statement Income Documentation * Bank Statements – 12 Months and 24 months * Borrower-Prepared Profit and Loss Property Types: * Single Family Residence * 2 Units […]

Non-QM Lenders and Loans

Bank Statement Program – 2024 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on revenue calculated from business or and (industry specific) personal bank statements Guideline Features: Maximum loan amount $15,000,000 680 FICO Score Cash-out to 70% LTV Maximum DTI 55% (subject to Disposable […]

Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of Employment documentation and is qualified based on Credit Score/FICO and Cash-Flow of Subject Property. A […]

Reduced Doc – 1 Year Employment

1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 Minimum Credit Scores: Portfolio Non-QM Lender Guidelines & Highlights Simplifying Non-QM Underwriting and process by defaulting to our core Non-QM guidelines and interpretation of the Ability to Repay rule. We can expedite and close your loan with […]

After Repair Value Purchase Loan (ARV)

After Repair Value Loan Explained An “After Repair Value” (ARV) construction loan is designed to provide financing for real estate investors looking to purchase and rehabilitate properties. Here’s how it works: 1. Initial Property Assessment: 2. ARV Loan Approval Process: 3. Disbursement of Funds: 4. Interest Rates and Repayment: 5. Final Appraisal and Loan Payoff: […]

Bank Statement Calculation Mortgage Lenders

How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownershipStandard 50/50 deposit to expense ratio is used but can be up to 65/35 if supported by a CPA expense statement. Company Ownership Borrower(s) must own at least 50% of the company to use a business account […]

No Ratio Investor Loan Jumbo

DSRC Investor Loan Program Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000 Purchase & Rate/Term Refinance: Credit Score | LTV | Loan Amount Matrix Information: 740 Credit Score | 90% LTV to $5,000,000 720 Credit Score | 90% LTV to $4,000,000 700 Credit Score | 85% LTV to $3,500,000 680 Credit Score […]

One Year Tax Returns to 90% LTV

Reduced Doc | 12 Months Reduced Income Documentation and Reduced Employment Verification Documentation We can help new business owners or self-employed borrowers who experienced a greater amount of income last year compared to the previous year. This loan program is ideal for self-employed borrowers because income tax write-offs reduce the amount of revenue that the […]

Second Mortgage Bank Statement Loan

Second Mortgage Bank Statement Mortgage Program This program is ideal for the borrower that wants to protect their low-interest rate first mortgage and would prefer a lump sum (from their equity) upfront. Stand-Alone Second Mortgage Program – 55% Debt-to-Income (DTI) This Second Trust Deed Program gives the borrower the entire loan amount at once, for […]

Bank Statements – Jumbo Mortgage – Interest Only

12-Months and 24-Months Bank Statement 80% LTV Purchase up to $3,000,000 – 660 Credit Score with Six Months Reserves Cash Out Refinance up to $2,500,000 – 680 Credit Score with Six Months Reserves Product and Service Interest Only Available on Owner-Occupied / Primary Residence Forms 4506-T and 4506-C Not Required Unconventional Mortgages and Loans ** Purchase […]

Business Purpose Mortgage Loans

Business Purpose Loans This “business purpose” loan is a primary residence stated income mortgage program. It is a type of “stated income program” (stated income/ stated assets) simply because it does not require any kind of financial documentation and very limited employment documentation and several ways to circumvent the typical methods. Contact a Loan Officer […]

Hard Money Loans

Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including […]

Hard Money 5-Million Owner Occupied

This hard money lender will do primary residential loans which are somewhat rare. Similar to a Business Purpose Mortgage Loan Purpose: Purchase, Refinance, and Rate & Term and Cash out, Refinance – Cash Out in hand $2,000,000, Construction, Bridge Loan, Blanket Loan Jumbo Loan Amounts: $125,000 to $5,000,000 This hard money lender will do primary […]

Jumbo Hard Money to 3-Million 80% LTV

High LTV Hard Money Jumbo Loan This hard money loan program can be applied to a variety of loan types including Fix and Flip, Blanket Loan, Bridge Loan, and Construction. Foreclosure Bailout We can bail you out of any “housing event”, Short Sale, Foreclosure, Bankruptcy, Notice of Default (NOD), Notice of Sale (NOS). Maximum LTV: […]

Hard Money Super Jumbo Florida

Hard Money Super Jumbo Mortgage program Super Jumbo Loan Amounts: $5,000,000 and up to $10,000,000 on a case-by-case basis. Eligible Transactions Eligible for a variety of loan purposes, including purchases, refinancing for rate or term adjustments, cash-out refinancing, bridge financing, blanket loans, and rehabilitation loans, our mortgage products offer versatile solutions to suit diverse borrower […]

Real Estate Investor Bank Statement Loan

Unique Investor Loan Program real-estate-investor-cash-out/Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple accounts. Rental income instead of tax returns, leases can be utilized to document income. Include your Rental Income Rental income may be included in conjunction with Borrowers Bank Statement Gross Deposit […]

Super Jumbo Bank Financing to 30 Million

Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a Good Alternative to a Conventional Home Loan Product. * Property Types: Residential, Commercial, Industrial, Apartments, Residential, Schools, Special Purpose. * Loan Sizes: $500,000 – $30,000,000 * States Served: All 50 […]

California Hard Money 30-Million

1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property condition Occupancies: Owner-Occupied (Business Purpose) Non-Owner Occupied Property Types: Residential (SFR, 2-unit, 4-unit) & Commercial properties Term – Short Term Bridge or longer-term loans No Prepayment Penalties Credit Score – No […]

Jumbo Private Hard Money Program

Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding Just Funded: $980,000 1st TD, […]

Bridge and Hard Money Loans

A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional information coming soon Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Mississippi, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode […]

Interest Only Loans

Interest Only Loans provide borrowers with initial payment flexibility by allowing them to pay only the interest for a set period, typically the first ten years of the loan term. These loans can be advantageous for borrowers who seek lower initial monthly payments or who anticipate increased cash flow in the future.

Inherited Property Loans​

The following Inherited Property Loans do not require the standard 12 months title seasoning. Talk to a Loan Officer: 800-718-8906.

Hard Money Loans

Hard money loans offer real estate investors valuable financing options with quick approval process and flexible terms. These loans are especially beneficial for investors seeking timely access to capital without the stringent requirements of traditional lenders. With hard money loans, investors can seize lucrative investment opportunities and enhance their real estate portfolios efficiently.Hard money loans offer real estate investors valuable financing options with quick approval process and flexible terms. These loans are especially beneficial for investors seeking timely access to capital without the stringent requirements of traditional lenders. With hard money loans, investors can seize lucrative investment opportunities and enhance their real estate portfolios efficiently.

Bank Statement Mortgages

Bank statement loans present an advantageous financing avenue tailored for self-employed individuals seeking mortgage options. These loans allow applicants to leverage their bank statements as proof of income, circumventing the need for traditional income verification methods such as tax returns or pay stubs. Ideal for entrepreneurs and freelancers whose income fluctuates or may not be accurately represented by tax documents, bank statement loans provide a flexible and accessible solution for securing mortgage financing.

Alt Doc Loans

Explore our diverse range of Alt Doc (alternative income documentation) loan programs tailored to meet various borrower needs. Below, we present a selection of these programs, each designed to provide flexible financing solutions suited to individual circumstances.