Find loans that will work for this scenario: Property Type: SFR, Property State: Alabama, Lien Position: 1st Lien, Loan Purpose: Rate/Term, Occupancy Type: Investment Property, Credit Score: 700, LTV: 37.5%, Loan Amount: $300,000, Months of Reserves: 4 months, Maximum Debt to Income Ratio DTI: 25%, Income Type: Bank Statements (12 & 24 Months Personal or Business Bank Statements), Property Value: $800,000, Citizenship: US Citizen, Prepayment Penalty: 4 Year. These are my loan scenario requirements, please recommend programs that will work for this scenario.

Several lenders offer programs that fit your loan scenario for a 1st lien, investment property rate/term refinance in Alabama with a credit score of 700, 37.5% LTV, $300,000 loan amount, 4 months reserves, max 25% DTI, bank statement income, US citizenship, and a 4-year prepayment penalty.

Here is a summary of qualifying programs from the supported lenders:

Lender / Program	Key Features	Notes
FundLoans - Apex Prime	- Investment property eligible - Min FICO 660 - Max LTV up to 85% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - 4-year prepayment penalty allowed	Matches all your criteria well, including income type and prepayment penalty.
A&D Mortgage - DSCR (No DTI)	- Investment property only - Min FICO 620 - Max LTV 80% - No DTI required (your 25% is acceptable) - Bank statements income type acceptable - Min 3 months reserves - 4-year prepayment penalty allowed	No DTI required, good for investment properties, fits your credit and reserves.
A&D Mortgage - Super Prime	- Investment property eligible - Min FICO 620 - Max LTV 90% - Max DTI 55% - Bank statements accepted - Min 3 months reserves - 4-year prepayment penalty allowed	Flexible income documentation and higher LTV limits.
Arc Home - Access Alt Income	- Investment property eligible - Min FICO 660 - Max LTV 90% - Bank statements accepted - Min 3 months reserves - Prepayment penalty up to 5 years allowed - Alabama eligible	Supports your income type and loan purpose with flexible LTV and reserves.
Arc Home - Edge Alt Income	- Investment property eligible - Min FICO 660 - Max LTV 85% - Bank statements accepted - Min 3 months reserves - Max DTI 50% - Prepayment penalty up to 5 years allowed	Fits your credit, LTV, and income documentation.
Champions Funding - Accelerator - FULL & ALT DOC	- Investment property eligible - Min FICO 640 (660 for investment alt doc) - Max LTV 85% (75% typical for investment) - Min 3 months reserves - Max DTI 50% - Bank statements accepted - Prepayment penalty 3 years standard (4 years may be negotiable)	Fits your scenario well; prepayment penalty term may need confirmation.
Change Wholesale - Alt Doc Express	- Investment property eligible - Min FICO 660 - Max LTV 75% - Bank statements accepted - Min 12 months reserves required (your 4 months reserves do not meet this)	Reserves requirement disqualifies this program for your scenario.
Newfi Lending - Sequoia NQM	- Investment property eligible - Min FICO 660 - Max LTV 80% - Min 2 months reserves - Max DTI 55% - Bank statements accepted - Prepayment penalty allowed (4 years fits)	Good fit with flexible reserves and income documentation.
NQM Funding - Flex Supreme	- Investment property eligible - Min FICO 680 - Max LTV 80% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - Prepayment penalty required (4 years allowed)	Fits your credit, reserves, and income documentation requirements.

Summary

Your scenario is well supported by multiple lenders and programs, especially FundLoans Apex Prime, A&D Mortgage DSCR (No DTI) and Super Prime, Arc Home Access Alt Income, Champions Funding Accelerator, Newfi Lending Sequoia NQM, and NQM Funding Flex Supreme.
The main disqualifier for some programs like Change Wholesale Alt Doc Express is the reserves requirement (12 months vs your 4 months).
Prepayment penalty of 4 years is generally allowed or can be accommodated in these programs.
Bank statement income is accepted in all recommended programs.
Your credit score, LTV, loan amount, and DTI are well within the limits of these programs.

Would you like detailed eligibility criteria, documentation requirements, or pricing details for any of these programs?

Review the updated loan scenario and answer again.

Your updated loan scenario fits well with several lenders and programs that support investment property rate/term refinances with bank statement income, 1st lien position, and a 4-year prepayment penalty in Alabama.

Here is a summary of the best matching programs:

Lender / Program	Key Features	Notes
FundLoans - Apex Prime	- Investment property eligible - Min FICO 660 - Max LTV 85% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - 4-year prepayment penalty can be discussed	Fits your credit, LTV, reserves, income type, and occupancy. Prepayment penalty 4 years not standard but possible.
A&D Mortgage - DSCR (No DTI)	- Investment property only - Min FICO 620 - Max LTV 80% - No DTI required - Min 3 months reserves - Bank statements acceptable - 4-year prepayment penalty allowed	No DTI required, good for investment properties, fits your credit and reserves.
Arc Home - Edge Alt Income and Access Alt Income	- Investment property eligible - Min FICO 660 - Max LTV 75-85% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - Prepayment penalty up to 5 years allowed	Both programs fit your credit, reserves, income type, and prepayment penalty requirements.
Champions Funding - Activator & Accelerator	- Investment property eligible - Min FICO 640-660 - Max LTV 85% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - Prepayment penalty 3 years standard (4 years may not be available)	Fits most criteria except prepayment penalty term may be shorter than 4 years.
Change Wholesale - Alt Doc Express	- Investment property eligible - Min FICO 660 - Max LTV 75% - Requires 12 months reserves (your 4 months insufficient) - Bank statements accepted - No prepayment penalty allowed (conflicts with your 4-year request)	Reserves and prepayment penalty requirements do not fit your scenario.
Newfi Lending - Sequoia NQM	- Investment property eligible - Min FICO 660 - Max LTV 80% - Min 3 months reserves - Max DTI 55% - Bank statements accepted - 4-year prepayment penalty allowed	Good fit for your credit, reserves, income type, and prepayment penalty.
NQM Funding - Flex Supreme	- Investment property eligible - Min FICO 680 - Max LTV 80% - Min 3 months reserves - Max DTI 50% - Bank statements accepted - 4-year prepayment penalty allowed	Matches your credit, reserves, income type, and prepayment penalty requirements.

Summary

Your scenario is best supported by FundLoans Apex Prime, A&D Mortgage DSCR (No DTI), Arc Home Edge/Access Alt Income, Newfi Lending Sequoia NQM, and NQM Funding Flex Supreme.
Champions Funding programs fit well except the prepayment penalty is typically 3 years, not 4.
Change Wholesale Alt Doc Express does not fit due to reserves and prepayment penalty conflicts.
All recommended programs accept bank statement income, support investment properties in Alabama, and allow 1st lien position.
Your credit score, low LTV, loan amount, reserves, and DTI are well within program limits.
Prepayment penalty of 4 years is generally allowed or can be discussed in these programs except Champions Funding and Change Wholesale.

Would you like detailed eligibility criteria, documentation requirements, or pricing details for any of these programs?

Summary

Review the updated loan scenario and answer again.

Summary

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