Ideal for Scenarios
- **Cash Back after buying for Cash Purchase Price**
- Self-Employed/Small Business Owner
- Volatile or Irregular Income
- Retired
- Seasonal & Gig Workers
- Real Estate Investors
- Owners & Employees of Cash Businesses
- Newly Self-Employed
- Transitioning from Recent Health, Family, or Other Life Events
- Looking to Tap Trapped Home Equity
- Recent Immigration
- Disqualified Income
Purchase
- Credit Score Driven
- Primary Residents & Second Homes
- Loan Amounts Up to $3 Million
- Min Credit Score: 640
- LTV: 80%
- No Income & No Employment on Application
- Debt to Income (DTI) Not Calculated
- Assets – Sourced & Seasoned 30 Days
- Reserves from 3 Months -Seasoned 30 days
- US Citizens, Permanent Alien & NON-Permanent Alien with US Credit
- Max Financed Properties – 20 including subject
- Properties Allowed – SFR, PUD, Townhome, Condo, Non-Warrantable Condo (65%ltv), 2-4 unit
- Prepay Penalty – NONE
- Seller Concessions up to 6%
- Rates general range- bank rates + min 1%
- Loan Amount above $1.5mil require 2 Appraisals
.
Refinance
- Credit Score Driven
- Primary Residents & Second Homes
- Loan Amounts Up to $3 Million
- Min Credit Score: 640
- LTV: 75%
- No Income & No Employment on Application
- Debt to Income (DTI) Not Calculated
- Assets – Original Purchase funds - Sourced & Seasoned*
- Reserves* from 3 Months – qualify w/Cashout
- US Citizens, Permanent Alien & NON-Permanent Alien with US Credit
- Max Financed Properties – 20 including subject
- Properties Allowed – SFR, PUD, Townhome, Condo, Non-Warrantable Condo (65%ltv) , 2-4 unit
- Prepay Penalty – NONE
- NA
- Rates general start range- bank rates + min 1%
- Loan Amount above $1.5mil require 2 Appraisals
Refinance day after Cash Purchase Closing*
