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.
Refinance Jumbo Loans Jumbo Refinance Loans We Offer – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in your browser to
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, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits of DSCR Loans:
No Personal Income Verification – Approval is based on rental income.
Easier Qualification – Ideal for self-employed investors.
Flexible Loan Options – Available for various property types.
Fast Closing – Less paperwork speeds up approval.
For more details on DSCR and other loan programs, see below.
Investment Property Cash Out Refinance Loans – Investment Property Loans – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in your
Unconventional Investment Property Cash Out – Cash Out Investment Property Loans – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in
Investment Refinance Loans. 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.
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.
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.
For Investors looking for the right construction loan for their next purchase or refinance loan. Below are actual loan programs we can offer to our borrowers. Connect with a qualified Loan Officer (800) 718-8906.
Super Jumbo Construction Loans – 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.
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.
Super Jumbo refinance loan program details, qualifying criteria, etc.
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
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).
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.
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping
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.
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 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 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.
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.
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
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor pricing and potential underwriting exceptions.
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
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. Income
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 Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
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 – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months of income, either through one year of W-2s with recent pay stubs or a year of tax returns along with a current profit and loss statement supported by a 4506-C form. This streamlined option is well-suited for those looking for an easier path to mortgage approval.
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
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second homes, and primary residences. Flexible qualification for self-employed borrowers.
Unconventional Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of stated income
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
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
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for high-net-worth borrowers seeking large loan amounts with alternative income verification.
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
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.
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 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 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.
Explore our range of Alternative Income Documentation (Alt Doc) 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.