NON-QM LOANS

DSCR (Debt Service Coverage Ratio) -- Up to $6M
Eligibility is determined based on sufficient operating income to cover debt, including principal and interest.

No-Ratio-DSCR Loan -- Up to $3M
Eligibility is based on the quality of the asset and overall financial strength instead of debt-income ratio.

DSCR for Foreign Nationals with No Credit Score -- Up to $6M
Foreign nationals can qualify for the loan using only the cash flow from the property or their debt service coverage ratio (DSCR).

12- or 24-month Bank Statement Loans -- Up to $6M
For self-employed borrowers who can qualify with bank statements instead of having to show tax returns or pay stubs.

CPA Letter with P&L Statement -- Up to $4M
A CPA letter is a document issued by a certified public accountant (CPA) that confirms a borrower’s financial health or verifies specific facts about their financial situation, to meet specific terms and agreements.

1099 Loans -- Up to $4M
For self-employed borrowers, freelancers, and contractors who file using W-9s tax forms and will likely not qualify for a traditional mortgage.

Bridge Loan -- Up to $2M
A form of short-term financing that can serve as a source of funding and capital until the borrower secures permanent financing or removes an existing debt obligation.

HELOC -- Up to $4M
A Home Equity Line Of Credit (HELOC) is a line of credit secured by home equity that gives the borrower a revolving credit line.

Land Loans -- Up to $1.5M
A type of loan that is used to finance the purchase of a plot of land.

Foreign National Mortgage Loans -- Up to $3M
A type of loan for non-resident persons in the U.S.A. seeking real estate financing on a second home, vacation home, or investment property while in America.

Individual Tax Identification Number (ITIN) Loans -- Up to $1M
For U.S. resident borrowers who do not have Social Security numbers and may qualify for a mortgage as long as they meet the eligibility requirements. The borrower must show 12 months of bank statements.

Renovation Loans
A type of loan for renovating, remodeling, and repairing a home.

Construction Loans -- Up to $3M
A short-term, high-interest mortgage that provides the funds required to build a residential property.

Fix and Flip Loans-- Up to $3M
Short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit, a process known as house flipping.

Reverse Mortgages
A type of loan that allows homeowners ages 62 and older, typically ones who’ve paid off their mortgage, to borrow part of their home’s equity as tax-free income.

Non-QM Jumbo Loans-- Up to $3.5M
Non-QM Jumbo loans are alternative mortgage loan programs for owner-occupant primary homes, second homes, and investment properties. Most non-QM loans do not have maximum loan limits.

Condotel Loans -- Up to $4M
A condotel, or a condo hotel, is a unit within a building that has the amenities of a hotel, including a front desk as well as a cleaning staff. Owners can make use of the units as short-term rentals to visitors or long-term living units for themselves.

Cross Collateralized Blanket Loan -- Up to $2M
The Blanket Loan is a single loan that is collateralized by multiple individual properties, typically used for financing residential rental properties, investment properties, and commercial real estate and also for the real-estate developments like subdivisions. Along with that in a blanket loan, you can avoid the requirement to apply for multiple mortgages.

Stand-alone Second Mortgage -- Up to $450,000
A second mortgage that's not taken out at the same time as your original loan