YOUR PATH TO NON-QM SUCCESS ^TM

Investor cash flow does the qualifying, with DSCR Elite rates at 1.20 and up.

No tax returns required — just real statements proving real income. Up to $3.5M.

One year of income docs opens the door to loans up to $3.5M.

Savings, stocks, and retirement accounts count at full value — no haircuts. Up to $3.5M.

A CPA, EA, or CTEC-prepared P&L takes the place of tax returns. Up to $2.5M.

Multi-family financing up to $2.5M, friendly to first-time buyers and seasoned investors alike.

No U.S. citizenship, credit score, or tradeline history required. Up to 75% LTV.

Flexible financing for the condos other lenders won’t touch. Up to 85% LTV.

Vacation rentals, financed on cash flow alone. Loans up to $3M with DSCR as low as 1.00.

Your self-employed clients’ real cash flow, proven with 12-24 months of statements. Up to $3.5M.

One year of income docs gets complex-income borrowers into homes faster. Up to $3.5M.

Wealth qualifies the loan, not a paycheck. Up to $3M for retirees and high-net-worth investors.

A CPA or EA-prepared P&L stands in for bank statements. Financing up to $3M.

Skip the DSCR calculation entirely — the property qualifies itself. Up to $2M.

Financing for luxury hotel-brand condos, up to 75% LTV with daily rentals welcome.

For strong-credit borrowers who’ve outgrown standard limits. Up to $5M, interest-only available.

Top-performing self-employed clients, financed up to $5M on 12-24 months of statements.

Bigger loans for bigger returns. Up to $4.5M with a 1.25 minimum DSCR.

More assets, more opportunity. Up to $5M with a 120-month depletion rate.