Loan Products

Non-QM 

O/O Consumer Purpose

For borrowers with less than perfect credit, challenges with proof of income, need to close quickly, or agency loan fallout.

  • Loans up to $5 million

  • LTV to 95%, LTV/CLTV to 85%

  • FICO to 500

  • Traditional Full Income Docs

  • WVOE Only for Employed Borrowers

  • Alternative Income Documentation for Self-Employed or Retired Borrowers

      - 12 or 24 Mo. Bank Statements

      - Asset Depletion Available

  • Mortgage Lates OK​

  • I/O option on 5/1, 7/1 ARM, 10 year 1/O on 30 & 40 year Fixed

  • Pull equity out of O/O property while listed for sale, no ATR

  • Non-Warrantable Condos OK

  • Second Homes, Rural Properties OK

Non-QM 

N/O/O Business Purpose

For borrowers to purchase or refinance a N/O/O SFR, Condo or 2-4 unit property or do not qualify under any guidelines. Both DTI and DSCR options are available.

  • Loans up to $5 million

  • DSCR option: 

       - To 80% LTV

       - FICO to 620

       - DSCR <1 can still qualify

  • DTI option:​

       - To 80% LTV & to 50% DTI

       - FICO to 540

       - 12 or 24 Mo. Bank                           Statements OK

  • 1 Day Out of Foreclosure, Short Sale, Deed-In-Lieu, or Bankruptcy​

  • Lending to LLC's, S Corps, Trusts or Individuals

Foreign National

Solutions for non-US citizens purchasing an investment property or vacation home in the US. 

  • Loans up to $5 million

  • LTV to 75% & to 50% DTI 

  • Social Security # or US Credit Not Required

  • Foreign Credit Accepted

  • Recent Credit Event OK

  • Cash Out options available

  • Unlimited Number of properties financed

Bridge Loans 

Business Purpose

For borrowers requiring short-term financing for all property types like 1-4 unit residential, multi-family, mixed use, office, industrial, and student housing. 

  • 1-4 Unit Residential  

       - Loans up to $4 million, FICO           660+, LTV to 80%

       - Loans up to $3 million, FICO           600, LTV up to 75%

  • Commercial Property Types

       - Loans up to $5 million

       - LTV to 75%

       - DSCR starting at 1 to 1

       - 3/1, 5/1, 7/1 and 10-year                 hybrid ARMS

       - Purchase & Rehab

  • FICO to 500​

  • Access liquidity by crossing collateral 

  • I/O up to 36 Mo. Term

  • Unlimited number of properties financed

  • Non-experienced borrowers OK

  • LLC's, Partnerships, or Corporations OK

  • Recent Housing or Credit Event OK

Renovation 

or Fix & Flip 

For borrowers seeking to acquire and renovate 1-4 unit residential property to hold or for quick sale.

  • Loans to $4 million, FICO 660+

  • Loans to $2 million, FICO 600

  • Purchase and Rehab up to 90% Loan to Cost

  • As Repaired Value (ARV) up to 80%

  • I/O up to 24 Mo. Term

  • Purchase Now. Pay no interest on renovations until ready to proceed.

  • Non-experienced borrowers OK

  • LLC's, Partnerships, or Corporations OK

  • Recent Credit Event OK

Do you have a loan scenario you would like to discuss?

Call us at 888-224-8111 or submit a request and one of our Loan Specialists will reach out to you shortly. 

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