The Investor Advantage program offers non-owner occupied business purpose loans with a DSCR of 0.75 or higher. It allows for purchases up to $3MM and cash out up to 75 CLTV, with options for interest only and eligibility for foreign nationals. The program also supports condos, non-warrantable condos, 2-4 units, modular homes, and cross-collateralized blanket loans up to 25 properties.
The Cash Flow Advantage program provides 30-year fixed and interest-only options for non-owner occupied business purposes. It allows for purchases and cash out up to $2MM, with a minimum DSCR of 1.10 and a focus on rental income. The program also supports short-term rental income and requires proof of rental history for eligibility.
The Expanded Jumbo A+ Fixed program provides full amortization and interest-only options for owner-occupied properties. It supports loan amounts up to $3.5MM, with a focus on high-value properties and significant reserve requirements. The program also includes eligibility for single family homes, PUDs, and warrantable condos.
The Professional Investor program is designed for non-owner occupied business purposes, offering DSCR loans with a minimum DSCR of 1.0. It supports purchases up to $3MM and cash out up to 65 CLTV, with interest only options available. The program also includes eligibility for 5-8 units, mixed-use properties, and cross-collateralized blanket loans.
The Titanium Advantage program is for owner-occupied primary and second homes, offering fixed rate and interest-only options. It supports purchases up to $2.5MM and cash out up to 80 CLTV, with a focus on high-value properties. The program also allows for properties up to 20 acres and includes options for full and alternative documentation.
The QM Jumbo program offers 30-year fixed options for primary residences, with loan amounts up to $2.5MM. It supports purchases and cash out with a focus on high-value properties and requires AUS findings. The program also includes eligibility for single family homes, warrantable condos, and first-time homebuyers.
The Platinum Advantage program offers full and alternative documentation options for both investments and consumer purposes. It supports purchases and cash out up to $3MM, with asset depletion and foreign national eligibility. The program also includes eligibility for single family homes, condos, non-warrantable condos, condotels, and rural properties.
The Non-Agency Advantage program caters to owner-occupied and second homes, offering fixed rate and interest-only options. It allows for purchases up to $4MM and cash out up to 80 CLTV, with eligibility for foreign nationals. The program also supports a variety of property types including single family homes, condos, and modular homes.
The Jumbo A+ program offers fixed rate options for owner-occupied properties, with loan amounts up to $3MM. It supports purchases and cash out with a focus on high-value properties and requires significant reserves. The program also includes eligibility for single family homes, PUDs, and townhouses.
The Equity Advantage program provides HELOC options with variable rates and a focus on owner-occupied, second homes, and investment properties. It supports line amounts up to $500k with a maximum HCLTV based on FICO scores. The program also includes options for full and alternative documentation and allows for balloon payment structures.