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Alternative Doc Programs

Alternative Lending Solutions!

ADVANTAGE PROGRAM

(No tax returns or 4506 for wage earners or self-employed borrower)

  • Loan Amount up to $5M
  • Max 49% DTI
  • Up to 10 financed properties
  • Use lease agreement for rental income
  • Non QM waiting periods on neg credit events
  • 100% gift funds allow on primary and 2nd home
  • Cash out loans okay
  • 15 and 30 year fixed; 7/1 ARM (Interest Only Option available)
  • P&I reserve requirement on subject property only

 

INVESTOR ADVANTAGE PROGRAM

(Income and employment not required on 1003)

  • Qualify based on cash flow of the subject property only – No income doc required
  • FICO score down to 640 okay
  • Purchase, Rate/Term, and Cash Out Refinance
  • Foreign National eligible
  • First Time Investors eligible (w/ 5% LTV reduction). 12 month mortgage rating on current primary residence

Send me your scenario and let's find the right fit.