Bank Statement

Bank Statement

• 12 or 24 Months Personal or Business
• 0-Statements with 12-Month Tax Preparer P&L
• Use Up To 90% of Deposits to Qualify w/ Expense Factor Letter
• Use Flat 50% of Deposits to Qualify
• >12 and <24 Months Self-Employed Available Case by Case
• Up to $5,000,000
• Up to 90% LTV/CLTV
• Credit scores as low as 620
• 100% gift funds allowed on owner-occupied up to 80% CLTV
• Cash-out can be used for reserves
• First time homebuyers allowed
• Living rent free allowed
• No tradeline requirement for borrowers with 3 credit scores
• Higher income earner credit score used for pricing and qualifying
• Expense ratio prepared by CPA, EA, or CTEC as low as 10%
• Multiple banks statements allowed