Griffith #TBD

Short answer

You can qualify today with multiple bank‑statement Non‑QM programs at 71% LTV and 720 FICO. Several lenders accept your current 3 months of reserves; a few strong options will require ~6 months.

Ready to go now (meets 3‑month reserves)

• A&D Mortgage – Prime / Super Prime, [/lenders/3/programs/166): Up to 55% DTI; 12/24‑mo bank statements; 3 months reserves ≤$1M loan; no PPP on primary ^[—].
• Champions Funding – Activator – FULL & ALT‑DOC: Up to 50% DTI; 12/24‑mo BS; 3 months reserves ≤$1M; no PPP on primary ^[1].
• Change Wholesale – Alt Doc Express: Max DTI 50%; 12/24‑mo BS; 3 months reserves at <85% LTV; no PPP on primary ^[5][6].
• Deephaven – Non‑Prime: DTI 50%; 12‑mo BS; 3 months reserves; CO allowed ^[1].
• The Lender – NON‑QHEM / Non‑QHEM Plus, [/lenders/77/programs/1175): DTI up to 55% (program‑dependent); BS allowed; reserves 0–3 months at your LTV; no PPP on primary.
• WMD – OptiDoc / KEYSTONE Non‑Prime, [/lenders/86/programs/1411): DTI up to 50–55%; 12‑mo BS; 3 months reserves for <$1M; no PPP on primary ^[3][57][1].

Likely needs ~6 months reserves (strong if you can add assets)

• FundLoans – Apex Prime: Eligible; DTI up to 50%; BS 12/24‑mo; standard reserves 6 months at 71% LTV; potential R/T reserve waiver case‑by‑case; no PPP on O/O; escrow waiver allowed if not HPML ^[1][3].
• AmWest – Bank Statement Advantage: Max DTI 50%; BS 12/24‑mo; reserves 6 months ≤$1.0M; no CO overlays; no PPP on O/O ^[1][2].
• NQM Funding – Flex Select / Flex Supreme, [/lenders/11/programs/177): DTI up to 55% (Flex Select) or 50% (Supreme); BS 12/24‑mo; reserves 6 months at your loan size; no PPP on primary ^[9][26].
• Deephaven – Expanded Prime: Often requires 6 months reserves; DTI up to 55% if not FTHB ^[107][1].
• WMD – KEYSTONE Expanded Prime: DTI to 55% at your FICO/LTV; reserves 6 months ^[89][1].

No prepayment penalties apply on owner‑occupied loans across these programs; DSCR programs are not needed for your owner‑occupied refinance.

Snapshot comparison

Lender	Program	DTI cap	Bank statements	Reserves at your loan size	O/O PPP
A&D Mortgage	Prime / Super Prime	Up to 55%	12/24 mo	3 mo	No [—]
Champions	Activator – FULL & ALT‑DOC	50%	12/24 mo	3 mo	No [1]
Change	Alt Doc Express	50%	12/24 mo	3 mo	No [5][6]
Deephaven	Non‑Prime	50%	12 mo	3 mo	No [1]
The Lender	NON‑QHEM / Plus	Up to 55%	12/24 mo	0–3 mo	No
WMD	OptiDoc / Non‑Prime	50–55%	12 mo	3 mo	No [3][1]
FundLoans	Apex Prime	50%	12/24 mo	6 mo (waiver possible)	No [1]
AmWest	Bank Statement Advantage	50%	12/24 mo	6 mo	No [2]
NQM Funding	Flex Select / Supreme	55% / 50%	12/24 mo	6 mo	No [9]

Just missed

• Angel Oak was excluded for insufficient reserves (needs ≥6 months; you have 3).

Next steps

• What’s your target max DTI? If you can share monthly debts and the average monthly eligible deposits from your bank statements (12 vs 24 months, personal vs business), I’ll size income and show which program/pricing is best.
• If you prefer the “Expanded Prime” pricing tiers, can you bring reserves to ~6 months? I can re‑run options assuming added assets.

Short answer

You’re approved today with A&D Mortgage (Prime/Super Prime) and WMD OptiDoc using bank statements and only 3 months reserves. To open more options (Change, Deephaven Expanded Prime, NQM Funding) or keep DTI above 50% everywhere, plan for ~6 months reserves. If you must stay at 3 months, some programs will require DTI ≤50%.

What fits your exact scenario (OO R/T, CO SFR, 720 FICO, 71% LTV, $730k, bank statements, 3 months reserves, target DTI up to 53%)

• A&D Mortgage – Prime / Super Prime: Eligible now. Up to 55% DTI; 12/24‑mo bank statements; 3 months reserves ≤$1MM; no PPP on primary.
• Wholesale Mortgage Direct (WMD) – OptiDoc: Eligible now. Up to 55% DTI with $3,000 residual income (otherwise ≤50%); 12/24‑mo bank statements; 3 months reserves; no PPP on primary.
• The Lender – NON‑QHEM / Non‑QHEM Plus: 3 months reserves OK, but DTI cap is 50% at 71% LTV, so 53% is not allowed.
• Deephaven – Expanded Prime vs Non‑Prime:
  • Expanded Prime: Allows DTI to 55% at your FICO/LTV, but needs ~6 months reserves ^[107][1].
  • Non‑Prime: Allows 3 months reserves, but DTI max 50%.
• Change Wholesale – Alt Doc Prime/Adv/Expanded: All need 6 months reserves; DTI >50% allowed; no PPP on primary.
• NQM Funding – Flex Select / Flex Supreme: Both require 6 months reserves; Flex Select DTI up to 55% (your 53% OK if conditions met); Supreme max 50% DTI.

Side‑by‑side snapshot

Lender	Program	DTI cap at your tiers	Reserves at $730k	Bank statements	Primary PPP
A&D Mortgage	Prime / Super Prime	Up to 55%	3 mo	12 or 24 mo	Not allowed
WMD	OptiDoc	Up to 55% with $3k residual; else ≤50%	3 mo	12 or 24 mo	Not allowed
The Lender	NON‑QHEM / Non‑QHEM Plus	50% at 71% LTV	0–3 mo	12 or 24 mo	Not allowed
Deephaven	Expanded Prime	Up to 55%	~6 mo	12 mo	Not allowed [107][1]
Deephaven	Non‑Prime	50%	3 mo	12 or 24 mo	Not allowed
Change Wholesale	Alt Doc Prime / Advantage / Expanded	>50% allowed	6 mo	12 or 24 mo	Not allowed
NQM Funding	Flex Select	Up to 55%	6 mo	12 or 24 mo	Not allowed
NQM Funding	Flex Supreme	50%	6 mo	12 or 24 mo	Not allowed

To keep DTI above 50% with most lenders, bring reserves to ~6 months. If staying at 3 months, plan for A&D or WMD (if residual income = $3,000), or lower DTI to ≤50% for The Lender/Deephaven Non‑Prime.

Quick next steps

• Do you have $3,000 monthly residual income? If yes, WMD OptiDoc can go to 55% DTI with 3 months reserves.
• Prefer broader lender choice or best pricing? If you can add assets to reach ~6 months reserves, I’ll re‑run with Change, Deephaven Expanded Prime, and NQM at 53% DTI.
• Share whether you’ll use 12 or 24 months bank statements and whether they’re personal or business, so I can price the top two options.

Short answer

With 12 months reserves, you now qualify for multiple >50% DTI bank‑statement options: A&D Prime/Super Prime, Change Alt Doc Prime, Deephaven Expanded Prime, NQM Funding Flex Select, and WMD OptiDoc/KEYSTONE Expanded Prime. The Lender remains capped at 50% DTI at 71% LTV.

What fits your exact scenario (OO R/T, CO SFR, 720 FICO, 71% LTV, $730k, bank statements, 12 mo reserves, target DTI 53%)

• A&D Mortgage – Prime / Super Prime, [/lenders/3/programs/166): Eligible to 55% DTI; min 3 mo reserves ≤$1M (you have 12) ^[—].
• Change – Alt Doc Prime: Eligible to 55% DTI with overlays; requires 6 mo reserves at your loan size (met) ^[26][3].
• Deephaven – Expanded Prime: Best fit; up to 55% DTI on primary when LTV ≤80% and FICO ≥700. Your 12 mo reserves are ample ^[107][1].
• NQM Funding – Flex Select: Up to 55% DTI when overlays met; 6 mo reserves needed at $730k (you meet with 12). Flex Supreme caps at 50% DTI ^[9].
• WMD – OptiDoc: Up to 55% DTI; 3 mo reserves < $1M (you exceed) ^[1].
• WMD – KEYSTONE Expanded Prime: Up to 55% DTI on primary with FICO ≥700 and LTV ≤80%; 6 mo reserves required (you meet). Requires residual income test ^[89].
• The Lender – NON‑QHEM / Plus, [/lenders/77/programs/1175): DTI max 50% at 71% LTV; 55% requires LTV ≤70% + residual income. Reserves 3 mo at <80% LTV (you exceed) ^[—].

Side‑by‑side comparison

Lender	Program	DTI cap at your tiers	Reserves needed at $730k	Bank statements	Notes
A&D Mortgage	Prime / Super Prime	Up to 55%	3 mo (you have 12)	12/24 mo personal or business	OO, no PPP [—]
Change	Alt Doc Prime	Up to 55% with overlays	6 mo (met)	12/24 mo	OO, no PPP [26][3]
Deephaven	Expanded Prime	Up to 55%	Not specified; 12 mo ample	12/24 mo	OO, no PPP [1]
NQM Funding	Flex Select	Up to 55% with overlays	6 mo (met)	12/24 mo	OO, no PPP [9]
WMD	OptiDoc	Up to 55%	3 mo (met)	12/24 mo	OO, no PPP [1]
WMD	KEYSTONE Expanded Prime	Up to 55% (primary; RI test)	6 mo (met)	12/24 mo	Residual income required [89]
The Lender	NON‑QHEM / Plus	50% at 71% LTV	3 mo (met)	12/24 mo	55% only if LTV ≤70% + RI test

No prepayment penalties on owner‑occupied across these programs.

Next steps

• Will you use 12 or 24 months bank statements, and are they personal or business? I’ll size income to confirm 53% DTI across the top programs and show pricing tiers.

Short answer

With 24 months reserves, you qualify for multiple bank‑statement Non‑QM options that allow up to 53% DTI at 71% LTV and 720 FICO. Best fits: A&D Prime/Super Prime, Change Alt‑Doc (Prime/Adv/Expanded), Deephaven Expanded Prime, NQM Funding Flex Select, and WMD OptiDoc/KEYSTONE Expanded Prime. The Lender caps you at 50% DTI unless you drop LTV to ≤70% and pass residual‑income.

Programs that fit your updated scenario (OO R/T, CO SFR, 720 FICO, 71% LTV, $730k, bank statements, 24 mo reserves, target DTI 53%)

Lender	Program	DTI cap for you	Reserves need (you have 24 mo)	Bank statements	Primary PPP
A&D Mortgage	Super Prime / Prime	Up to 55%	3 mo ≤$1M	12/24 mo, personal or business	Not allowed
Change Wholesale	Alt Doc Prime / Advantage / Expanded	Up to 55%	6 mo ≤$1M	12/24 mo	Not allowed
Deephaven	Expanded Prime	Up to 55% (primary, FICO ≥700, LTV ≤80%)	Your 24 mo is ample	12/24 mo	Not allowed
Deephaven	Non‑Prime	50%	3+ mo	12/24 mo	Not allowed
NQM Funding	Flex Select	Up to 55% (meets FICO/LTV; other conditions apply)	6 mo	12/24 mo	Not allowed
NQM Funding	Flex Supreme	50%	6 mo	12/24 mo	Not allowed
WMD	OptiDoc	Up to 55%	3 mo ≤$1M	12/24 mo	Not allowed
WMD	KEYSTONE Expanded Prime	Up to 55% (FICO ≥700, LTV ≤80%, not FTHB; RI test)	6 mo	12/24 mo	Not allowed
The Lender	NON‑QHEM / Non‑QHEM Plus	50% at 71% LTV; 55% only if LTV ≤70% + RI	~0–3 mo at your tiers	12/24 mo	Not allowed [7]

Key takeaways: You can reach 53% DTI now with A&D, Change, Deephaven Expanded Prime, NQM Flex Select, and WMD. The Lender requires ≤70% LTV to go above 50% DTI ^[7].

Quick next steps

• Will you use 12 or 24 months statements, and are they personal or business? I’ll size income to confirm DTI and show best pricing tiers.
• Confirm: self‑employed ≥2 years and not a first‑time homebuyer (matters for Deephaven/WMD Expanded Prime).

Short answer

You can qualify for >50% DTI full‑doc Non‑QM across multiple lenders at 73% LTV, 720 FICO, and 24 months reserves. Best fits: A&D Prime/Super Prime, Deephaven Expanded Prime, NQM Funding Flex Select, and WMD Full Doc/KEYSTONE Expanded Prime. The Lender caps you at 50% DTI unless LTV is reduced to ≤70% with a residual‑income test.

What fits your updated scenario (OO R/T, CO SFR, 720 FICO, 73% LTV, $730k, Full‑Doc 2 yrs, 24 mo reserves, target DTI 53%)

Lender	Program	>50% DTI allowed?	Your fit at 53% DTI	Reserves needed
A&D Mortgage	Super Prime / Prime	Yes, up to 55% if FICO ≥680, CLTV ≤80%, loan ≤$1M	Eligible now at 53% (no PPP; your $730k ≤ $1M)	3 mo ≤$1M (you have 24)
Deephaven	Expanded Prime	Yes, up to 55% by exception	Eligible if primary, not FTHB, FICO ≥700, LTV ≤80% (you meet); confirm not FTHB	Not specifically stated; your 24 mo is ample
NQM Funding	Flex Select	Yes, up to 55% with overlays	Eligible at 53% if clean housing (0x30x12), no IO/40‑yr/2‑1 buydown; residual income may apply	~6 mo typical (you exceed)
NQM Funding	Flex Supreme	No (max 50%)	Won’t fit if you need 53%	~6 mo (met)
Wholesale Mortgage Direct	Full Doc	Yes, to 55% with ≥$3,000 residual income and 12‑mo housing history	Eligible at 53% if residual income test met	3 mo < $1M (met)
Wholesale Mortgage Direct	KEYSTONE Expanded Prime	Yes, >50% to ≤55%	Eligible if primary, FICO ≥700, LTV ≤80%, not FTHB; residual income required	6 mo PITIA (met)
The Lender	NON‑QHEM / Non‑QHEM Plus	Typically no (>50% only if LTV ≤70% + RI test)	At 73% LTV, capped at 50% DTI; to exceed 50% you’d need LTV ≤70% plus RI	0–3 mo at your LTV (you exceed)

No prepayment penalties on owner‑occupied across these programs.

Next steps (to lock the >50% DTI options)

• Are you a first‑time homebuyer? If no, Deephaven/WMD Expanded Prime stay eligible.
• Do you have a clean 12‑month housing history and ≥$3,000 monthly residual income? If yes, WMD Full Doc can approve 53–55% DTI.
• Want me to price A&D Super Prime vs. NQM Flex Select vs. WMD Expanded Prime at 53% DTI?