Direct Lending to Real Estate Investors (DSCR) without an NMLS license

· Lending directly to real estate investors in most states

DSCR Program

· Under .75 ratio allowed, with restrictions

· 100% gift funds allowed

· Use the highest mid-score of all qualifying borrowers

Super Jumbo and DSCR Super Jumbo Non-QM Financing

· up to $5M

Expanded Investor Property Types (DSCR)

· Financing available for 5–8 unit residential properties

· Financing available for 2–8 unit mixed-use properties

Verus Self-Securitization Model

· Approximately $1 billion funded monthly

· One of the industry’s larger self-securitizers of Non-QM loans

· Provides greater consistency, execution, and flexibility for nuanced borrower scenarios

55% DTI program – Prime Ascent

· Primary residence only

· Min residual income of $3,500

· Max LTV/CLTV <= 80%

· Standard Doc 2-years

· Minimum 6- months reserves

· First time homebuyer not eligible

Foreign Nationals

· RON closing permitted

· 100% gift funds allowed

· No foreign credit required

ITIN’s

· Primary and 2nd homes

· 100% gift funds allowed

Verus Product Highlights (2026)

PRIME ASCENT (Non-QM / Non-Agency) - Ideal for self-employed or high-net-worth borrowers.

LTVs: Up to 90% (Primary) | 85% (NOO & 2nd Homes)
Credit: FICO down to 660 (Standard) / 620 (Select cases)
Loan Amounts: Up to $4M
Alt Doc Options: 12/24 Month Bank Statements, P&L Only, 1099, WVOE, & Asset Utilization
Flexibility: DTI up to 50% (Alt Doc) to 55% (Standard)
Property Types: Rural properties, Condos, and Condotels (to 85% LTV)
Key Perk: No tradeline requirements with 3 credit scores; 100% gift funds allowed.

INVESTOR SOLUTIONS (DSCR) - The industry standard for professional real estate investors.

LTVs: Up to 80% | FICO down to 640
Property Types: 1-4 Units, 5-8 Units, and 2-8 Unit Mixed-Use
No Ratio: "No Ratio" options available for maximum leverage.
STR Friendly: Short Term Rental/Airbnb allowed (90% of rents used); AirDNA accepted.
Entity Closing: Close in LLC or Corporation; unlimited financed properties.
Cash-Out: Up to $1M cash-in-hand.

FOREIGN NATIONAL - Capture global capital with simple DSCR-based qualifying.

Max LTV: 75% | Loans up to $2.5M
No US Credit: No foreign or US credit/housing history required.
Leverage: DSCR < 1.00 / No Ratio allowed.
Flexibility: 100% gift funds allowed; STR/AirDNA eligible.

SUPER JUMBO - For your high-value luxury listings.

Loan Amounts: Up to $5M
FICO: Down to 700
Docs: Full Doc, Bank Statements, or Asset Utilization.
Cash-Out: Up to $1.5M cash-in-hand.

ALT DOC 2ND LIENS & HELOCs - Unlock equity without losing a low first-mortgage rate.

CLTV: Up to 85%
FICO: Down to 680
Income: 12/24 Month Bank Statements or 1099 (CES).
Max Cash: $750k cash-out.

ITIN (Standard & Alt Doc) - Expanding homeownership to ITIN holders.

LTV: Up to 80% | Rural properties allowed.
Docs: Full Doc, Bank Stmts, 1099, WVOE, or P&L.
Easy Process: Google Translate accepted for docs; only 30-day asset verification.

Nuestra Red de Prestamistas

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