Get Easy Access to Loan Programs

Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months)

  • Max. 90% LTV Purchase
  • Max. 80% LTV Refinance
  • Self-Employed and 1099 Borrowers
  • Min. 600 FICO
  • Up to $4M Loan Amounts
  • No Reserves Required ≤ 75% LTV
  • No 4506T / No K1s / No P&Ls
  • No Mortgage Insurance
A couple of people sitting at a table with some papers.

1099 ONLY Program

  • Max 80% LTV
  • Min 600 FICO
  • Income Docs: Two years 1099s & two months bank statements
  • ALL occupancy types
  • Property Types: SFR / Condo / Townhome (No rural or units)

P&L PROGRAMS

  • Max 80% LTV
  • Min 600 FICO
  • Income Docs: Licensed Tax Preparer prepared P&L on Licensed Tax Preparer’s letterhead (Must cover most recent two years as well as YTD for the business)
  • All Occupancy types
  • Property Types: SFR / Condo / Townhome (No rural or units)

INVESTOR CASH FLOW

  • Min 575 FICO
  • Loan amounts up to $3M
  • Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos
  • Non-Owner Occupied only
  • No income or job verification
  • No Prepay Options available