• Unlimited financed properties and up to 10 loans for any one investor permitted
• MINIMUM 15% DOWN PAYMENT
• Non-warrantable condos permitted
• Rate buydown feature available
• DSCR (as low as .75x)
• Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
• $75K – $5M
• Fixed rates/Adjustable
• Interest Only Option Available
• No Prepayment Penalty Option Available.

Uses bank statements to calculate a borrower’s income - Great for Self-Employed Borrowers who write off a lot of expenses on their tax returns (not needed).

• 12 OR 24 MONTH
• MINIMUM 10% DOWN PAYMENT
• Loan amounts up to $3,000,000
• Business bank statements and personal bank statements permitted
• Borrower does not have to be 100% owner of the business
• W-2 with Bank Statements combinations allowed
• P&L statements NOT required
• Business expense ratio as low as 10%
• Multiple business bank accounts acceptable
• Gift Funds Allowed
• Fixed Rate Mortgage with 15, 20, or 30 Year Term
• Up to 55% Debt Ratio allowed

Purchase land for primary, vacation, or investment.

• You can build your dream home
• Build on your own time.
• Converts to balloon payment after 5 years
• Higher down payment requirement (35%)

Foreign National loans are used to purchase homes as investments or second homes, not primary residences.

• Available for vacation and investment properties
• No tax returns required
• Foreign credit report allowed
• 30% down payment
• Only 30 days sourcing & seasoning of assets
• Various types of visa's accepted

For borrowers who want to buy a home in the US but don't have a Social Security number. Individuals who could benefit from these loans include both residents and non-residents who aren't citizens of the US, and the spouses of these individuals.

• Designed for professionals entering the U.S. with a valid work authorization and for U.S. Citizens living and working abroad
• Only an offer letter is needed for pre-approval
• No U.S. credit required
• MINIMUM DOWN PAYMENT 10% for new immigrants to the U.S.
• MINIMUM DOWN PAYMENT 30% for U.S. Citizens living abroad (2nd Home)
• Loan amounts up to $5,000,000 (LTV limits)

Able to use personal and business assets to qualify as income such as stocks, checking, and retirement accounts.

• Asset Qualifier program draw period is only 5 years (qualifying assets / 60 months).
• Primary Residence: – MINIMUM DOWN PAYMENT 10% for Purchase and MINIMUM EQUITY AMOUNT 20% for Rate/Term  Refinances – MINIMUM EQUITY AMOUNT OF 30% for Cash-Out Refinances
• Second Homes and Investment Properties: – MINIMUM DOWN PAYMENT OF 20% for Purchase and MINIMUM EQUITY AMOUNT OF 25% for Rate/Term Refinances – MINIMUM EQUITY AMOUNT OF 30% for Cash-Out Refinances
• Borrower must have no mortgage delinquency in the last 3 years

When more than half of the units must be owner occupied (primary/vacation) and/or an individual or company owns more than 10 percent of the condo units in the community.

• Up to 50% commercial space permitted
• New construction buildings permitted
• Allowed on DSCR / Investor Cash Flow Program
• Purchase, Rate & Term Refi and Cash-Out Refinance available
• MINIMUM DOWN PAYMENT 20%
• Loan amounts as high as $3,000,000

When more than half of the units must be owner occupied (primary/vacation) and/or an individual or company owns more than 10 percent of the condo units in the community.

• MINIMUM DOWN PAYMENT OF 25% for Purchase Loans
• MINIMUM EQUITY AMOUNT OF 30% for Rate &Term Refinances
• MINIMUM EQUITY AMOUNT OF 35% for Cash-Out Refinances
• Investment Property and Second Home Only