- Loan Amounts: $100,000 to $3,500,000
- Geographic Coverage: Available nationwide in 46 states
- Rural Properties: Eligible
- Interest Rates: Competitive market pricing
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Eligible Property Types:
- Single-family residences (SFR)
- Townhomes and condominiums
- 2–4 unit properties (duplex, triplex, quadplex)
- Multi-family properties (5–10 units)
- Mixed-use properties
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Loan Structures:
- 30-year fixed rate
- 5/6 ARM
- Interest-only options available for up to 10 years
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Maximum LTVs:
- Up to 80% for purchases and rate/term refinances (1–4 units)
- Up to 75% for cash-out refinances (1–4 units)
- Up to 75% for multi-family purchases
- Up to 70% for multi-family refinances
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Short-Term Rentals:
- Qualify using projected revenue or actual rental income
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DSCR Requirement:
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Prepayment Penalties:
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Multiple options available, including 5%, 4%, 3%, 2%, 1% and 3-year step-downs (3%, 2%, 1%)
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Minimum Credit Score:
