Flexible Mortgage Solutions for Investors & Residential Home Buyers
Explore loan options designed for both investors and residential homebuyers. Whether expanding your portfolio or buying your first home, our programs offer flexible, tailored solutions to fit your unique needs.
Debt Service Coverage Ratio (DSCR)
Finance your rental with property cash flow!
Discover how Debt Service Coverage Ratio (DSCR) financing provides a flexible solution with more ways to qualify. No personal income verification required!
- Loan amounts up to $3 million
- Up to 80% loan-to-value (LTV)
- FICO scores as low as 640
- For cash-out refinancing, 660+ FICO with DSCR ≥ 0.75 – 0.99
- First-time investors eligible (minimum FICO 680)
- Financing available for 5-8 units, condotels, and non-warrantable condos
No Ratio Mortgage Program
Opening the Door to Homeownership with Less Documentation
A No Ratio mortgage is a flexible financing solution that eliminates the need for personal income or employment verification. This program is ideal for individuals who may not meet the traditional documentation requirements for a mortgage. Perfect for purchasing or refinancing owner-occupied or secondary homes.
- No personal income or employment verification required
- Available for owner-occupied or second homes
- Gift funds allowed for down payment and closing costs
- First-time homebuyers welcomed
- 401(k) and stocks can be used for reserves
- Loan amounts up to $2M
- Minimum FICO 660
A Great Option for:
- Self-employed, gig-based workers, or cash-based business owners
- Homeowners looking to downsize
- Individuals with good credit history but higher-than-average debt
Take the hassle out of traditional financing and explore a streamlined option that works for you.
Community Development Loan Program (CDFI)
Tap into the $1 trillion Department of Treasury-backed funding to increase equity and support communities.
Community Development Financial Institutions (CDFIs) open pathways to homeownership.
- No Debt-to-Income (DTI) calculation
- Loan amounts up to $2 million
- Minimum 660 FICO score
- Available for owner-occupied or second homes
- Verification of income (VOI) or employment (VOE) not required
- First-time homebuyers welcome
- Properties up to 10 acres
Foreign National Loan Program
You may have a passport to buying or refinancing an investment property in the United States! No personal income or U.S. credit is required to qualify. Instead, use the property’s revenues to determine eligibility.
- Investment properties only
- Maximum loan amount of $1.5 million for those who qualify
- Up to 70% loan-to-value (LTV) or combined loan-to-value (CLTV)
- Condotels and warrantable condos allowed
- Short-term rental properties accepted (DSCR ≥ 0.75)
- Assets must be sourced and seasoned for at least 60 days
- Cash-out refinancing allowed to satisfy reserve requirements
- Vacant or unleased properties eligible
- Transferred appraisals accepted
ITIN Loan Programs
Helping Non-U.S. Citizens Qualify for Real Estate Loans
We offer flexible loan options for borrowers using their Individual Taxpayer Identification Number (ITIN), whether for investment properties or personal use.
ITIN Investment Property Loans:
- Loan amounts up to $1 million
- Up to 80% loan-to-value (LTV) for purchase or rate/term refinance
- Cash-out refinancing allowed (can be used toward reserves, with certain restrictions)
- FICO scores as low as 660
- First-time homebuyers welcome
- Short-term rentals allowed
- Business purpose loans available (DSCR eligible)
- Transferred appraisals accepted
ITIN Consumer Purpose Loans:
- Loan amounts up to $1 million
- Up to 85% LTV for purchase or rate/term refinance
- Up to 75% LTV for cash-out refinance
- FICO scores as low as 660
- Flexible tradeline requirements (e.g., 2 active for 12 months, 1 active for 24 months)
- Gift funds allowed for down payment and closing costs (restrictions apply)
- Income documentation options:
- Wage Earners: WVOE, W2, or full tax returns
- Self-Employed: Business bank statements, 1099, CPA-prepared P&L with tax preparer letter, or full tax returns
- CPA-prepared P&L accepted without requiring bank statements
1099 Income Loan Program
Qualifying is easier with fewer documents!
Self-employed borrowers like you have easier financing options compared to the full-doc mortgage loans from traditional lenders. Skip the W2s and piles of paperwork—qualify with your 1099 tax income instead.
- Loan amounts up to $3 million
- Minimum 680 FICO score
- Form 1099 – Minimum of one year
- First-time homebuyers welcomed
- Available for owner-occupied primary or second homes
P&L Only Loans
Streamlined Profit & Loss Only Programs
Simplify your loan process by using a Profit & Loss (P&L) statement, prepared by a CPA or Registered Tax Preparer, to determine eligibility. Perfect for non-traditional, ITIN, and investor borrowers.
- Loan amounts up to $3 million
- Up to 85% loan-to-value (LTV)
- 100% of gift funds allowed for closing costs
- Minimum 660 FICO score
- Alt Doc Options available for non-traditional and ITIN borrowers
- Income-qualifying investment properties accepted
Minimum borrower contribution: the higher of $50,000 or 15%