Product Profile

At Capital Alliance, we strive to detail the specific requirements of each loan product in terms of borrower eligibility, credit evaluation and collateral requirements among other benchmarks.

1st & 2nd Liens
Portfolio This product is designed for unique loan scenarios - vesting in LLCs or corporations, cross-collateralizing properties to free up equity, and construction/purchase rehab loans. LTV/CLTV to 75%. Fico scores as low as 500.

Documentation Options

Wage Earner: Current pay stubs showing year-to-date earnings with two (2) years' W-2s.

Self Employed: Year-to-date Profit and Loss Statement with two (2) years' tax returns, including all schedules.

Portfolio Outline

Occupancy

Primary Residence
Second Home
Investment

Property Type

1-4 Units - Residential
5+ - Multifamily
Mixed Use
Commercial
Land

Vesting

Conventional (HWJT, Tenants in Common, etc.)
LLC or Corporation
LP - with personal guarantee
Non Profits
Trusts

Purpose

Purchase
Refinance (R/T & Cash Out)
Construction Rehabilitation (Ability to finance 100% of project using after value)
Home Improvement

Terms (fixed and/or Adjustable - I/O available)

<= 1 yr, 2 yr, 5 yr, 15 yr & 30 yr (2/28)

LTV/CLTV

75% (Higher with Cross Collateralization)