A breakthrough in borrower qualification. Demonstrate ability to repay with a DSCR of 1.00x or higher, good credit history, and a significant down payment. We serve the underbanked and look beyond the basics of a borrower.

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Program Details

Income Verification
  • Qualify Using Subject Property Income ONLY
  • Minimum 1.00x DSCR
  • No DTI1 Or Global Calculated
  • No Tax Returns Or W2s Required. Not A Bank Statement Program.
  • No Statement Of Employment Or Income Required.
Asset Verification
  • 1 Month Bank Statement (Covering At Least 30 Days)
  • 100% Gifts Allowed For Down Payment, Closing Costs, Reserves
  • Cash-Out Proceeds May Be Used Towards Reserves
Program Highlights
  • Purchase & Rate/Term Refinance Up To 75% LTV
  • Cash-Out Refinance Up To 70% LTV, Unlimited Cash-Out Funds
  • 1-4 Units, Condos, Coops, PUDs
  • Loan Amounts Up To $3,000,000
  • Minimum 680 FICO
  • 5/6 ARM3, 7/6 ARM3, 15 Or 30 Year Fixed
  • Interest Only Option Available On All Loan Terms Except 15 Year Fixed.
  • Corporations And LLCs Accepted
  • First Time Home Buyers Eligible

Mortgage Rate Options

Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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Get pre-approved in as little as 3 minutes.