85% LTV for Purchase
  • DSCR Calculation: Gross Income divided by PITIA/ITIA.
  • Max Loan Amount: Up to $3,500,000.
  • Eligible Properties: 1–4 family properties, condominiums (including non-warrantable condos), and leasehold properties.
  • Loan-to-Value (LTV):
    • 85% LTV for Purchase and Rate & Term Refinance.
    • 75% LTV for Cash-Out Refinance.
  • Credit Requirements: Minimum 620 FICO.
  • Property Types: Investment properties only (short-term rentals like Airbnb and VRBO are permitted).
  • Gift Funds: Allowed for down payment and closing costs.
  • Financed Properties: No limit on the number of financed properties.
  • Flexible Options: Ideal for investors looking to purchase, refinance, or access equity.
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