Programs
Lite Doc Owner Occupied
Min. FICO 620
Up To 90% LTV
Up To 50% DTI
Max $4.0MM
Flexible alt-doc financing for primary and second-home borrowers, with bank statement, P&L, asset depletion, and WVOE
Asset depletion (6 Month)
12/24 Month Personal & Business bank statement
1 Year P&L prepared by CPA, CTEC or EA
WVOE
Lite Doc Non-Owner Occupied
Min. FICO 660
Up To 85% LTV
Up To 50% DTI
Max $3.5MM
Alt-doc financing for investment property borrowers, with bank statement, P&L, and asset depletion options.
Asset depletion (6 Month)
12/24 Month Personal & Business bank statement
1 Year P&L prepared by CPA, CTEC or EA
WVOE
Elite Alt Doc
Min. FICO 660
Up To 90% LTV
Up To 55% DTI
Max $3,500,000
Premium non-QM solution offering high loan limits and flexible income documentation options
Full Doc (Wage Earner & Self Employed)
Streamlined Doc (Wage Earner & Self Employed)
12/24 Mo Personal/Business Bank Statement
Asset Depletion, 1 Year CPA P&L, WVOE
Expanded Prime DSCR
Min. FICO 660
Up To 80% CLTV
No Ratio Available
Max $3,000,000
DSCR financing for investment properties with flexible options for qualified real estate investors, including no-ratio eligibility with restrictions.
DSCR 0.75+ or No Ratio Option (with restrictions)
Cash-Out Up to $500K or Unlimited ≤60% LTV
Entity Vesting Eligible
Investor Solution DSCR
Min. FICO 640
Up To 80% CLTV
No Minimum DSCR
Max $3,500,000
Rental-income based DSCR financing for investment properties, designed for experienced and qualified first-time investors with flexible property and cash-out options.
Qualify using rental income (DSCR)
Interest-only options available
Budget, CC&R, and By-laws are not required for Non-warrantable condo
MEDPRO
Min. FICO 700
Up To 100% CLTV
Up To 50% DTI
Max $2,000,000
Designed for licensed medical professionals with strong income stability and earning potential
Primary Residence Only
Purchase and Rate/Term Refinance
Projected Income
Full Doc