Programs

Residential 1-4 Unit 

• Up to 80% LTV
• Rates Starting at 6.99%
• Up to $5 million
• Purchase, cash-out refinance, or rate-term refinance
• Primary, 2nd Homes, & Investments 
• 3, 12, or 24 months of bank statements for income analysis
• All In-House underwriting

•  Conventional - FHA-VA 
• 1099 Self-Employed / Independent Contractor Home Loans
• Bank Statement Loans 
• CPA Bank Statement Loan
• FHA SOLAR Program
• Full Doc up $2M with 15% down using 1-year tax returns
• ITIN Bank Statement Loan
• Profit & Loss loan program
• Delayed Financing
• Refinance
• All In-House underwriting

• Up to 80% LTV Purchase Financing
• 75% LTV Refinance Cash Out 
• Min Loan Amount $150,000 - $3,500,000 
• Minimum FICO score required of 660 
• Little to no documents - no personal income or Tax Returns required  
• 3/1, 5/1, 7/1, 10/1 ARM and I/O options 30 Year Fixed Amortization
• 85% LTV Available, case-by-case
• Short Term Rentals 
• Can be vacant   
• All In-House underwriting

Residential 1-4 Unit 

(No Appraisal Needed)

• Up to 90% of Purchase Price
• PLUS 100% of the Repairs
• Up to 75% of ARV
• Loan Amounts: $75,000 to $3,500,000 
• Loan Term: Up to 12 months
• Payments: Interest only monthly, interest reserve required for loans 12 months +
•  Lien Position: First Only Prepay: none States: Available in ALL STATES (except NV, AZ, SD, ND, MN, OR, VT)

• 90% Loan to Cost 
• Up to 75% of the After Completed Value  
• Loan Amounts: $100,000 to $10,000,000 
• 100% of Rehab cost 
• Loan Term: 6-18 months 
• Payments: Interest only monthly 
• Get up to 20% of the rehab budget 72 hours after closing. 
• Lien Position: First Only 
• States: Available in ALL STATES (except NV, SD, ND, MN, OR, VT)

Commercial Apartments (5+) 

and Mixed-Use Purchase and Refinance 

Guidelines & Pricing: 

• Loan Amount: $250k-$5M 
• Term: 12-18 Months
• LTV of Purchase price: up to 80% 
• LTC of Rehab amount: 100% 
• Max Loan to ARV: up to 70% 
• Minimum As-Is Appraised Value: $250k 
• Collateral: Commercial apartments 5+, Mixed-use with Apartments, Condo Conversions, No limit on the number of units 
• Term: 12 months Rate: Starting at 7.99% 
• Points: Vary based on loan amount
• Credit Score: 650 Minimum 
• No pre-payment penalty

FIXED-RATE 

• Min $100K per door
• Loan amounts up to $10M 
• 5 to 10-year term (up to 30 years if the loan is not purchased for securitization) 
• Up to 30 years of amortization 

FLOATING-RATE 

• Min $100K per door
• Loan amounts up to $10M 
• 5, 7, and 10-year terms
• Partial-term and full-term interest-only available

• Non-recourse, highly competitive rates
• Flexible terms and prepayment options 
• Streamlined process – faster closing times 
• Interest-only available 
• Up to 80% LTV in certain areas

STATES (except NV, AZ, SD, ND, MN, OR, VT)