Help me complete the scenario for Deephaven. What else is needed?

To provide you with the most accurate and helpful information about Deephaven's loan programs, I need more details about your loan scenario and borrower information. Here are some key questions to help complete the scenario:

Borrower Information:

1. Credit Score: What is the borrower's credit score? (Minimum for Deephaven programs is typically 620, but some programs require higher scores.)
2. Employment/Income Type: Is the borrower self-employed, W-2 employed, or using alternative income documentation (e.g., bank statements, DSCR, etc.)?
3. Debt-to-Income Ratio (DTI): What is the borrower's DTI? (Maximum is generally 50%, but it can vary by program.)
4. Recent Credit Events: Has the borrower experienced any recent credit events (e.g., bankruptcy, foreclosure, short sale) in the past 4 years?
5. First-Time Homebuyer or Investor: Is the borrower a first-time homebuyer or first-time investor?

Property Information:

6. Occupancy Type: Is the property owner-occupied, a second home, or an investment property?
7. Property Type: What type of property is it? (e.g., single-family residence, condo, townhome, 2-4 units, mixed-use, etc.)
8. Property Location: In which state is the property located? (Deephaven has restrictions in certain states.)
9. Number of Units: How many units does the property have? (Deephaven supports 1-9 units depending on the program.)
10. Property Value: What is the estimated value of the property?

Loan Details:

11. Loan Purpose: Is this a purchase, rate/term refinance, or cash-out refinance?
12. Loan Amount: What is the desired loan amount? (Deephaven offers loans ranging from $25,000 to $3,500,000 depending on the program.)
13. Loan-to-Value (LTV): What is the LTV or down payment percentage? (Deephaven allows up to 90% LTV in some programs.)
14. Lien Position: Is this a first lien or second lien loan?
15. Reserves: Does the borrower have sufficient reserves? (Some programs require reserves based on PITIA.)

Additional Details:

16. DSCR (if applicable): If this is an investment property, what is the Debt Service Coverage Ratio (DSCR)? (Deephaven offers programs for DSCR ≥ 1.00, 0.75-0.99, and No Ratio.)
17. Gift Funds: Will the borrower use gift funds for the down payment, closing costs, or reserves?
18. Self-Employment Duration: If the borrower is self-employed, how long have they been in business? (Minimum 2 years is required for most programs.)
19. Prepayment Penalty: Is the borrower open to a prepayment penalty? (This is common for investment property loans.)
20. ITIN or Foreign National: Is the borrower an ITIN holder or a foreign national?

Please provide as much of this information as possible, and I’ll help you determine the best Deephaven program for your scenario!