Investor Loan Program Highlights
  • Loan qualification based on cash flow of the subject property at note rate
  • No vacancy factor calculated, DCR = 1.0*
  • No income | No employment verification
  • No tax returns/4506T
  • No DTI calculated
  • No seasoning for cash-out or new value
  • Loan amounts up to $2.5MM | Cash out up to $2.0MM
  • Vest in an LLC
  • Up to 80% LTV
  • Gift funds allowed
  • Borrower can own unlimited financed properties
  • Borrower only needs 6-month history of owning and managing investment real estate
  • Multiple term options:
    • ARM**: 5/1, 7/1, 10/1
    • Fixed: 15, 30

All states (including DC) are eligible except DE, ME, MA, WY, RI.
*DCR = 1.25 for Premier
**Interest only option available on all ARMs. No I/O in Illinois.

Non-QM Investor Program Sticker

Investor Guidelines