Non-QM Loan Products

Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months)
Up to $4M Loan Amounts
Up to 90% Max LTV
Self Employed and 1099 Borrowers
600 or greater credit scores
No reserves required at 75% or less LTV
No 4506T / No K1's / N P&L's
No MI

Letter of good standing with current financial institution or international credit report
1-4 unit properties
Loan Amounts up to $2M
No income, job, or credit required
No Reserves for loans less than or equal to 75% LTV
Non-Owner Occupied only
5yr/7yr ARM & 30-year Fixed
70% Max LTV Purchase
65% Max LTV Refinance
Condotels/Pudtels Allowed

Available on SFRs, 2-4 units, Condos, Townhomes, Condotels, and Non-Warrantable Condos
Qualify on cash flow - 12 months reserves required for negative cash flow, Ratio less than or equal to 1:1, cash-out can be used to cover reserves
Loan amounts up to $2M
Non-owner Occupied only
No reserves required for loans less than or equal to 75% LTV
No income or job verification
5yr/7yr ARM & 30-year Fixed
Reconciled rent estimate based on 1007 or lease agreement
LPC & Borrower Paid Comp Available (or a combination of the two up to 3 points)

Qualify with full docs or bank statements
Loan amounts up to $4M
Interest Only (I/O) available with a 650+ FICO
C/O available with no max cash in hand depending on LTV
Foreign National
No reserve requirements at or below 75%LTV, C/O proceeds can be used for reserve above 75% LTV
Can use transferred appraisals