Non-QM (Non-Qualified Mortgage) lenders provide alternative home loan options, including unconventional mortgages such as no doc (no job and no employment. (income and employment sections are left blank), no ratio, and debt-service coverage ratio (DSCR) loans.
These loans cater to borrowers who may not meet traditional mortgage criteria and allow for alternative income documentation for.
Business purpose loans are available for both non-owner-occupied and owner-occupied properties, without the need for Form 4506-C, offering flexibility for various borrowing needs and circumstances.
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
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
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. Additional loan programs information below.
Stated Income / No Doc This program is an asset-based lender Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK
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
3 Month Business or Personal Bank Statement Loan Program Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative
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
Jumbo and Super Jumbo – Cash-Out – 600 Credit Score Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80%
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
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
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. Bank
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
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
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
Our ARV construction loan enables investors to finance the purchase and renovation of a property, leveraging the expected increase in value after repairs are completed.
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
DSRC Investor Loan Program Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000 Purchase & Rate/Term Refinance: * 740 Credit Score | 90%
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
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
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
Hard Money Loans Unconventional Loan Programs We Offer – Guidelines and Highlights: Our mission is to help individuals, investors, builders, developers, foreign nationals, and all
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
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
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
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.
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle
Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending
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
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