Non Qualified Mortgages

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