Additional Resources

Highlights

Loan amounts up to $2M

Up to 80% LTV allowed, min. 720 FICO

FICOs as low as 660

Owner-occupied & second homes

First-time homebuyers welcome

Cash-out may be used as reserves (4 months of borrowers’ own funds to be documented)

Activator

Alt Doc | Non-Traditional Borrowers

Flexible solutions with broader qualification methods and documentation types.

Highlights

Loan amounts up to $3M

660 FICO up to 70% LTV

Max DTI up to 50%

Up to 6% seller concessions towards closing costs

Up to 20 acres allowable

Non-warrantable condos allowed

ITIN Activator

Alt-Doc | For Non-U.S. Citizens

Financing for consumers looking to take part in the American Dream.

Highlights

Loan amounts up to $1M

Up to 85% LTV (Purchase & R/T)

Up to 75% LTV (Cash out)

FICOs as low as 660

Gift funds may be allowed for down payment & closing costs. Certain restrictions apply.

Business Purpose loans expand opportunities for investors by financing rental properties or those used commercially 50% of the time (or less). We offer less friction and can close quickly.

Accelerator

DSCR | No Ratio

Options for business purpose loans. No tax returns required. Qualifying loans with property cash flow.

Highlights

Loan amounts up to $3M

Up to 80% LTV available

FICOs as low as 640

660+ FICO for cash-out, DSCR .75 - .99

First-time investors allowed, min FICO 680

5-8 units, condotels, and non-warrantable condos allowed

Accelerator Full/Alt Doc

Income Qualifying Investment Properties

Increase opportunities for investor borrowers with income qualifications.

Highlights

Loan amounts up to $3M

Up to 80% LTV available

Min FICO as low as 660

100% gift for down payment & closing cost

Asset depletion can be used as an individual or supplemental source of income

ITIN Accelerator

DSCR | For Non-U.S. Citizens

DSCR l No Ratio financing for ITIN investors looking to take part in the American Dream.

Highlights

Loan amounts up to $1M

Up to 80% LTV (Purchase & R/T)

FICOs as low as 660

First-time homebuyers welcome

Short-term rentals allowed

Cash out can be used towards reserves. Certain restrictions apply.

*See full guidelines for eligibility and additional requirements.

Ambassador

Foreign National | DSCR Investment Properties

For Foreign Nationals who dream of buying or are looking to refinance an investment property in the United States.

Highlights

Max loan amount $1.5M

Max LTV/CLTV 70%

Investment properties only

Condotels and warrantable condos allowed

Short-term rental properties accepted (DSCR ≥ .75)

Cash-out may be used to satisfy reserve requirements

Ally

HOMEBUYERS

No Income & No Employment Verification

Open the doors to underserved borrowers.

Highlights

Loan amounts up to $2M

Up to 80% LTV allowed, min. 720 FICO

FICOs as low as 660

Owner-occupied & second homes

First-time homebuyers welcome

Cash-out may be used as reserves (4 months of borrowers’ own funds to be documented)

Accelerator

INVESTORS

DSCR | No Ratio | Investment Properties

Options for business purpose loans. No tax returns required. Qualifying loans with property cash flow.

Highlights

Loan amounts up to $3M

Up to 80% LTV available

FICOs as low as 640

660+ FICO for cash-out, DSCR .75 - .99

First-time investors allowed, min FICO 680

5-8 units, condotels, and non-warrantable condos allowed

Activator

HOMEBUYERS

Alt Doc | Non-Traditional Borrowers

Flexible solutions with broader qualification methods and documentation types.

Highlights

Loan amounts up to $3M

660 FICO up to 70% LTV

Max DTI up to 50%

Up to 6% seller concessions towards closing costs

Up to 20 acres allowable

Non-warrantable condos allowed

Accelerator Full/Alt Doc

INVESTORS

Income Qualifying Investment Properties

Increase opportunities for investor borrowers with income qualifications.

Highlights

Loan amounts up to $3M

Up to 80% LTV available

Min FICO as low as 660

100% gift for down payment & closing cost

Asset depletion can be used as an individual or supplemental source of income

ITIN Activator

HOMEBUYERS

Alt Doc for ITIN Borrowers

Financing for consumers looking to take part in the American Dream.

Highlights

Loan amounts up to $1M

Up to 85% LTV (Purchase & R/T)

Up to 75% LTV (Cash out)

FICOs as low as 660

Gift funds may be allowed for down payment & closing costs. Certain restrictions apply.

Ambassador

INVESTORS

Foreign National | DSCR

For Foreign Nationals who dream of buying or are looking to refinance an investment property in the United States.

Highlights

Max loan amount $1.5M

Max LTV/CLTV 70%

Investment properties only

Condotels and warrantable condos allowed

Short-term rental properties accepted (DSCR ≥ .75)

Cash-out may be used to satisfy reserve requirements

ITIN Accelerator

INVESTORS

DSCR for ITIN Borrowers

DSCR l No Ratio financing for ITIN investors looking to take part in the American Dream.

Highlights

Loan amounts up to $1M

Up to 80% LTV (Purchase & R/T)

FICOs as low as 660

First-time homebuyers welcome

Short-term rentals allowed

Cash out can be used towards reserves. Certain restrictions apply.

*See full guidelines for eligibility and additional requirements.