NON-QM LOANS

12 MONTHS BANK STATEMENTS

  • Business and Personal

  • Max LTV 75%

  • Min. FICO 600

  • DTI 43%

  • 100% Deposits Accepted

  • 50% Expense Ratio Super Prime, P&L or expense letter from CPA/Tax preparer

P&L ONLY

  • 12 months P&L provided by Tax Agent, or Licensed  Tax Preparer, or Licensed CPA

  • Max LTV 75%

  • FICO 600

  • DTI 43%

  • 1 months bank statements to confirm business activity

ASSET UTILIZATION

  • Cash at 100%

  • Cash out Ok

  • Securities at 90%

  • Retirement at 70%

  • 75% LTV

  • FICO 600

  • Income is – All Eligible Assets Divided by 100

NON PERMANENT RESIDENT

  • P&L Statements

  • 75% LTV

  • 600 Credit Score

  • 25% ownership acceptable

LITE DOC PROGRAM

  • 10 Days to Close

  • Interest Only

  • No Income on 1003

  • LTV 70%

  • Foreign National

  • Finance up to 5% of closing costs

  • Condohotel Ok

FOREIGN NATIONALS

  • up to 65% LTV

  • Loans up to max conforming loan limit

  • CPA Letter or Employment Letter + Tax Returns

  • No Income Option

  • 1 reference letter