Find loans that will work for this scenario: Property State: Connecticut, Lien Position: 2nd Lien, Occupancy Type: Second Home, Credit Score: 710, Income Type: Debt Service Coverage Ratio (DSCR & No Ratio DSCR), Citizenship: US Citizen, Prepayment Penalty: 4 Year. These are my loan scenario requirements, please recommend programs that will work for this scenario.

The only program that matches all your requirements is the Closed-End Second Lien from A&D Mortgage. However, the 4-year prepayment penalty is typically for investment properties, so you must confirm with the lender if it can be applied to a second home in Connecticut.

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Program Comparison Table

Lender/Program	2nd Lien	Second Home	DSCR/No Ratio	Min Credit Score	4-Year Prepay Penalty	Notes
A&D Mortgage: Closed-End Second Lien	Yes	Yes (1-unit)	Yes	680	Yes*	*4-year prepay usually for investment property; confirm for second home eligibility.
Arc Home	No	N/A	N/A	N/A	N/A	No 2nd lien programs available.
Champions Funding: Ambassador Second Home	Yes	Yes	Yes	680	No	Does not allow any prepayment penalty.
Newfi Lending	No	N/A	N/A	N/A	N/A	No eligible programs for your scenario.
NQM Funding: 2nd Lien	Yes	Yes	No	680	No	Does not allow DSCR/No Ratio income or prepayment penalty for second homes.
Loan Stream: Core/Select/Sub1 DSCR	No	No	Yes	620–660	Not specified	DSCR programs are for investment properties only, not second homes.

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Key Takeaways

• A&D Mortgage is the only lender with a program that fits your scenario, but you must confirm if the 4-year prepayment penalty can be applied to a second home.
• Other lenders either do not allow DSCR/No Ratio income for second homes, do not offer 2nd lien positions, or do not allow prepayment penalties for second homes.

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Next Steps

• Would you like more details on the A&D Mortgage: Closed-End Second Lien program, such as loan amounts, property types, or documentation?
• If you are flexible on the prepayment penalty or other criteria, let me know and I can check for additional options.