Non-QM Full Doc Loans

Non-QM Full Doc Loans

High Alt-Doc Loan Amounts & LTV’s:

• 90% to $3,000,000
• 75% to $3,500,000
• Loans up to $10M case-by-case
• Super Jumbo with 620+ FICO

Investor DSCR

• DSCR < 0.75 (No Ratio)
• Up to 85% LTV for DSCR > 1.0
• Vacant Properties
• First Time investors up to 80% LTV
• Short Term Rentals
• 100% Gift Funds to 75% LTV
• Unlimited # of financed properties

12 Month Alt-Doc:

• Profit & Loss ONLY w/ No Supporting Bank Statements
• 1099 Only
• 1 Year Tax Return Full Doc to 55% DTI
• Asset Utilization

12 & 24 Months Business Bank Statements:

• Use up to 85% of deposits without Expense Factor Letter
• Use up to 90% of Deposits with Expense Factor Letter
• Self-Employed > 12 Mo. and < 24 Mo. case-by-case

Flexible Property Types:

• Condotels
• Non-Warrantable Condos
• 1-10 Units Residential
• 1-8 Units Mixed-Use

Citizenship:

• ITIN to 85% LTV
• Foreign Nationals
• Non-Permanent Resident