580 Fico score with 10% down bankstatment loan

Yes, all three lenders—Arc Home, NQM Funding, and Loan Stream—offer bank statement loan programs that could work for a borrower with a 580 FICO score and 10% down payment.

Summary of Options:

Lender	Program Details	Credit Score Requirement	Down Payment Requirement	Income Type
Arc Home	Elite Alt Income and Access Clean Slate accept bank statements.	Not explicitly stated, but flexible.	10% aligns with program requirements.	12 or 24 months personal/business bank statements.
NQM Funding	2nd Lien Program supports bank statement loans.	Minimum 540.	10% for second home/investment.	12 or 24 months personal/business bank statements.
Loan Stream	Bank statement loan program available.	Minimum 580.	10% aligns with program requirements.	12 or 24 months personal/business bank statements.

Each lender has programs that align with your scenario. Let me know if you'd like more details about a specific lender or program!

Yes, both Arc Home and NQM Funding offer bank statement loan programs that could work for a borrower with a 580 FICO score, 10% down payment, and an investment property. Loan Stream does not have a suitable program for this scenario.

Summary of Options:

Lender	Program Details	Credit Score Requirement	Down Payment Requirement	Income Type	Occupancy Type
Arc Home	Elite Alt Income: Accepts 12- and 24-month personal or business bank statements.	Not explicitly stated, but flexible.	10% aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
NQM Funding	2nd Lien Program: Supports bank statement loans.	Minimum 540.	10% for investment properties.	12 or 24 months personal/business bank statements.	Investment Property
Loan Stream	No suitable program for this scenario.	N/A	N/A	N/A	N/A

Key Notes:

• Arc Home: The Elite Alt Income program is a strong option, as it explicitly allows investment properties and accepts bank statements for income verification.
• NQM Funding: The 2nd Lien program also fits your criteria, with a minimum credit score of 540 and 10% down payment for investment properties.
• Loan Stream: Does not offer a program that meets the requirements for this scenario.

Let me know if you'd like more details about any specific program or lender!

Yes, both Arc Home and Loan Stream offer bank statement loan programs for a $1.5M purchase price with 30% down, 580 FICO, and investment property. NQM Funding does not have a suitable program for this scenario.

Summary of Options:

Lender	Program Details	Credit Score Requirement	Down Payment Requirement	Income Type	Occupancy Type
Arc Home	Elite Alt Income: Accepts 12- and 24-month personal or business bank statements.	Flexible, based on DU findings.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
Loan Stream	Jumbo One Select: Supports investment properties with bank statement income verification.	Minimum 580.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
NQM Funding	No suitable program for this scenario.	Minimum 640 for investment properties.	N/A	N/A	N/A

Key Notes:

• Arc Home: The Elite Alt Income program is a strong option, as it explicitly allows investment properties and accepts bank statements for income verification. The 580 FICO score may be acceptable depending on DU findings.
• Loan Stream: The Jumbo One Select program is another viable option, as it explicitly allows a 580 FICO score and supports investment properties with bank statement income verification.
• NQM Funding: Does not offer a program that meets the requirements for this scenario due to the 580 FICO score.

Let me know if you'd like more details about any specific program or lender!

Yes, Arc Home, Loan Stream, and Orion Lending offer bank statement loan programs for a $1.5M purchase price with 30% down, 580 FICO, and investment property. NQM Funding and Oaktree Funding do not have suitable programs for this scenario.

Summary of Options:

Lender	Program Details	Credit Score Requirement	Down Payment Requirement	Income Type	Occupancy Type
Arc Home	Elite Alt Income and Access Clean Slate: Accept bank statements.	580 FICO acceptable under Access Clean Slate.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
Loan Stream	Jumbo One Select: Supports investment properties with bank statement income verification.	Minimum 580.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
Orion Lending	Titan Flex: Supports bank statement income documentation for investment properties.	Minimum 580.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Investment Property
NQM Funding	No suitable program for this scenario.	Minimum 640 for investment properties.	N/A	N/A	N/A
Oaktree Funding	No suitable program for this scenario.	Minimum 640-660 for investment properties.	N/A	N/A	N/A

Key Notes:

• Arc Home: The Access Clean Slate program is a strong option for borrowers with a 580 FICO score, as it is designed for borrowers with recent credit events or lower credit scores.
• Loan Stream: The Jumbo One Select program explicitly allows a 580 FICO score and supports investment properties with bank statement income verification.
• Orion Lending: The Titan Flex program is another viable option, as it supports bank statement income documentation and allows for a 580 FICO score.

Let me know if you'd like more details about any specific program or lender!

Yes, Arc Home offers a bank statement loan program for a $1.5M purchase price, 30% down payment, 580 FICO score, and primary residence. Other lenders (NQM Funding, Loan Stream, Orion Lending, and Oaktree Funding) do not have suitable programs for this scenario.

Summary of Options:

Lender	Program Details	Credit Score Requirement	Down Payment Requirement	Income Type	Occupancy Type
Arc Home	Elite Alt Income: Accepts 12- and 24-month personal or business bank statements.	Flexible, determined by DU.	30% down aligns with program requirements.	12 or 24 months personal/business bank statements.	Primary Residence
NQM Funding	No suitable program for this scenario.	Minimum 640 for primary residences.	N/A	N/A	N/A
Loan Stream	No suitable program for this scenario.	N/A	N/A	N/A	N/A
Orion Lending	No suitable program for this scenario.	N/A	N/A	N/A	N/A
Oaktree Funding	No suitable program for this scenario.	Minimum 620 for primary residences.	N/A	N/A	N/A

Key Notes:

• Arc Home: The Elite Alt Income program is a strong option, as it explicitly allows primary residences and accepts bank statements for income verification. The 580 FICO score may be acceptable depending on DU findings.
• Other Lenders: NQM Funding, Loan Stream, Orion Lending, and Oaktree Funding do not offer programs that meet the requirements for this scenario due to stricter FICO score requirements or other limitations.

Let me know if you'd like more details about the Arc Home program or assistance with the next steps!

No, Mega Capital Funding does not offer a bank statement loan program for a primary residence.

Key Details:

• Mega Capital Funding's Expanded DSCR program supports bank statement income documentation but is strictly for investment properties.
• This program does not apply to primary residences, and the DSCR requirements (minimum 0.75 or no ratio) are not relevant for owner-occupied properties.

If you'd like to explore other lenders or adjust your loan scenario, let me know!

I encountered an issue retrieving specific program details from Arc Home, Loan Stream, and Orion Lending.

It seems there was an error in accessing the lender information. To proceed, I recommend either:

1. Confirming if there are additional lenders you'd like me to check.
2. Providing more details about the property (e.g., state, occupancy type) to refine the search.

Let me know how you'd like to proceed!

I am unable to provide eligible loan programs for your scenario because there are currently no available lenders listed for review.

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What This Means

• There are no lenders or programs in the current system to check against your scenario for a $2.6M purchase, 20% down, 780 FICO, non-warrantable condo, and primary residence.
• If you have a specific lender in mind or if new lenders become available, I can review their guidelines for you.

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If you’d like to try again, please provide a list of lenders or let me know if you want to adjust your scenario.

There are currently no lenders available in the system to review for your scenario.

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What This Means

• I do not have any lenders or loan programs to check eligibility for your $2.6M purchase, 20% down, 780 FICO, non-warrantable condo, primary residence scenario.
• If you have a specific lender in mind or if new lenders are added, I can review their programs for you.

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Please let me know if you want to adjust your scenario or if you have a list of lenders to check.

There are currently no lenders available in the system to review for WVOE (Written Verification of Employment) loan programs.

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What This Means

• I do not have any lenders or loan programs to check eligibility for WVOE loans at this time.
• If you have a specific lender in mind or if new lenders are added, I can review their programs for you.

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Let me know if you want to adjust your scenario or provide a list of lenders to check!