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1Y + 2Y P&L ONLY

Program highlights:

  • FICO 580
  • Up to 85% LTV
  • Max DTI 55%
  • Loan Amount up to $4mm
  • Max Cash in hand $1,000,000, no limit for LTV < 55%
  • P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
  • No Bank Statement required
  • Super Prime & Prime Programs

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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Lite Doc Program

- FICO 620
- 70% LTV
- Interest Only
- No Income on 1003
- Foreign National allowed
- No Prepayment Penalty
- Fast Closing
- No Asset Seasoning
- Eligible for Non-Permanent Residents

Foreign Nationals

- No score or FICO 599
- 70% LTV
- Loan Amount up to $2mm
- Cash Out allowed
- DSCR as low as 0
- CPA Letter last 2Y & YTD
- 1 Bank Reference Letter
- Overseas Assets allowed as Reserves
- Gift Funds allowed

Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed