This program is designed for foreign nationals investing in U.S. real estate, focusing on the property's cash flow (DSCR) rather than personal income, with no DTI required. It supports loan amounts up to $3,000,000 for various property types, including options for borrowers with no FICO score. A minimum of 12 months of reserves is required.
The Prime Jumbo Full Doc AUS program is designed for borrowers requiring full documentation and automated underwriting system approval. It provides options for 15-year and 30-year fixed terms with competitive pricing. It also includes flexible income verification methods and allows for high-value property financing.
The Prime Jumbo program offers tailored solutions for borrowers seeking jumbo loans, with options for 15- and 30-year fixed terms up to $2.5 million. It includes competitive rates, no mortgage insurance, and allows for primary and second home properties, as well as cash-out refinancing up to 75% HCLTV.
The Prime program is designed for borrowers with good credit, supporting owner-occupied, second home, and investment properties. It features a minimum FICO score of 620, allows for credit events with 12 months seasoning, and requires a residual income of $1,500. This program offers flexible income documentation options including Full Doc, Bank Statements, and P&L, with loan amounts up to $1,500,000.
Tailored for foreign nationals investing in U.S. real estate, this program requires full income documentation with a maximum DTI of 43%. It supports loan amounts up to $3,000,000 for various property types, including options for borrowers with no FICO score. A minimum of 12 months of reserves is required.
The DSCR (No DTI) program is for investment properties, focusing on property cash flow instead of personal income, with no DTI required. It supports loan amounts up to $3,500,000 for various property types including SFR, multi-family, and condotels. The program requires a minimum FICO of 620 and 48 months seasoning for credit events, and allows for DSCR values below 1 with specific FICO requirements.
The Super Prime program is for borrowers with excellent credit, offering competitive rates for loan amounts up to $4,000,000. It requires a minimum FICO score of 620, 48 months seasoning for credit events, and a residual income of $2,000. The program supports primary residence, second home, and investment properties with flexible documentation options.
A closed-end second lien program for owner-occupied, second home, and investment properties, including for Foreign National and Non-Permanent Resident borrowers. The program supports various documentation types like Full Doc, Alt Doc (Bank Statements, P&L), and DSCR. Loan amounts range from $50,000 to $500,000, with a maximum combined loan amount for first and second liens of $4,000,000.