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. 

NMLS Consumer Access.PNG
  • LinkedIn Social Icon

License Information:

Capital Alliance, LLC is licensed by the CA Department of Business Oversight

CFL License 60DBO 43334 / NMLS #1243767

Capital Alliance Advisors, Inc. is licensed by the CA Department of Business Oversight CFL License 605 3456

Capital Alliance Investments, Inc. is licensed by the CA Department of Real Estate DRE License 01922008 / NMLS #1169305