Looking for Non QM to base income off of 2024 Taxes only. Has a business that has a business since 2022 and added another sister store in 2024. *737 score. *90% LTV *Purchase

Summary of Non-QM Programs for Your Scenario

Yes, there are multiple Non-QM programs available that allow income to be based on 2024 taxes only for a borrower with a 737 credit score, 90% LTV, and a purchase loan purpose. Below is a comparison of the most relevant options:

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Lender	Program Name	Credit Score Requirement	Max LTV	Income Type Allowed	Loan Purpose
FundLoans	Montage Prime	Minimum 660	Up to 90%	Full Doc 1 Year (NQM)	Purchase
A&D Mortgage	Super Prime	Minimum 620	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Angel Oak	Platinum	Minimum 720	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Arc Home	Elite Alt Income, Access Alt Income	Minimum 660	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Champions Funding	Activator – FULL & ALT-DOC	Minimum 640	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Change Wholesale	Alt Doc Prime	Minimum 660	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Deephaven	Non-Prime Program	Minimum 620	Up to 90%	Full Doc 1 Year (NQM)	Purchase
NQM Funding	Flex Select, Flex Select Express DU Option	Minimum 640	Up to 90%	Full Doc 1 Year (NQM)	Purchase
Loan Stream	Jumbo One	Minimum 660	Up to 90%	Full Doc 1 Year (NQM)	Purchase
American Heritage Lending	Prime Star, All Star	Minimum 660 (All Star), 700 (Prime Star)	Up to 90%	Full Doc 1 Year (NQM)	Purchase

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Key Takeaways:

• All programs listed above allow Full Doc 1 Year (NQM), which means income can be based on 2024 taxes only.
• Your 737 credit score and 90% LTV meet the requirements for all these programs.
• Loan purpose (purchase) is eligible across all programs.

Would you like more details about any specific program or lender?