NON QUALIFIED LOANS:
Because I am a BROKER I have access to loan programs that are beyond the standard qualified mortgage.
Non-QM:
ITIN's borrowers are now allowed!
Recently converted rom W-2 10 1099 Employee!
No Seasoning Cash-Out!
Use current higher rents from tenants versus Market Rent!
No DSCR required up to 75% LTV!
No primary Residence allowed for DSCR borrowers! (Seasoned Investors Only)
DSCR loans using Short Term Rentals like AirBNB!
Gift Funds Allowed on Investment Properties!
Foreign Nationals!
CPA, Enrolled Agent, or ITIN only allowed for verification!
Multiple Bank Accounts allowed!
Bank Statements (12 or 24 months, Business or Personal allowed)!
1-year P&L Only without any Bank Statements!
1-year Self-Employed allowed!
1-year 1099 allowed!
80% LTV Cash-Out Alt Doc, 1-4 Unit, Investment Properties!
Alternative Tradelines Acceptable!
Temporary Buydown Options (2/1, 1/1, 1/0)!
Non-Warrantable Condo's!
Use Cash-Out to satisfy Reserve requirements!
Close in the name of an LLC or Corporation!
No Reserves on additional properties!
40-year Interest-Only terms!
Qualify using Interest-Only payments!
First Time Homebuyers Allowed!
Bankruptcy or Foreclosure allowed!
Asset Qualifier and Asset Depletion programs!
Asset Qualifier can be used with Full Doc bor