Luxury Mortgage

 DSCR

-DSCR down to 620 FICO

-DSCR below .75 not eligible

-No escrows required

-Can qualify off I/O up to 75% max LTV, 700 FICO required

-DSCR 5-10 units (escrows required)

 Bank Statements

-FICO down to 620

-Use Primary wage earner middle FICO

-Can use any CPA/Tax preparer regarding expense factor

-1 appraisal up to $2MM

-No escrows required

-50% DTI

Full Doc

-FICO down to 620

-Use Primary wage earner middle FICO

-Loan amounts up to $2M one appraisal needed

-Up to 55% DTI (680 FICO, Max LTV 70%, Purch/Rate & Term only)

-No escrows required

 Other programs available

-1099 (10% expense factor)

            – Can use 1 or 2 years 1099s

            -We will utilize 90% of the 1099 towards qualifying income

            -1099s can be issued to an entity provided the brwr owns 100% of the entity and expenses are limited.

-Asset Qualifier

            -No Income, No Employment, No DTI, qualify based on Assets

            -Can qualify using 3 different methods

            -Ex. Of assets used to qualify include: checking/savings, stocks/bonds, retirement, cash value of life insurance, etc.

-Foreign National

-ITIN

Miscellaneous:

-Closings in as fast as 6 days from submission to funding

-We are priced aggressively, especially on purchases

-We offer 40-year terms

-We offer guideline exceptions which can be vetted prior to submission.