Investment Loan Programs

1–4 DSCR Loans

FICO starting at 620*

Lower credit requirements for experienced investors

Condos / Condohotels

Warrantable/Non-Warrantable properties eligible

Modular & Rural properties

Expanded property types for diverse investment strategies

LTVs up to 80%*

Higher leverage options available for qualified borrowers

DSCR below 1.0

Including No Ratio options for maximum flexibility

First-Time Investors welcome

Special programs for new real estate investors

5–10 Unit DSCR

FICO starting at 660*

Credit requirements for larger properties

Loan Amounts

$250K – $3M

Min DSCR: 1.00

Standard debt service coverage requirements

Alt-Doc Loans

FICO starting at 620*

Flexible credit requirements

Loan Amounts up to $4M*

Higher loan amounts for larger investments

LTVs up to 85%*

Maximum leverage for qualified borrowers

Documentation Types

12 or 24 mo. Bank Statements
1099
P&L ONLY
P&L + Bank Statements
Asset Depletion

1–4 DSCR Loans

Flexible financing solutions for single-family and small multifamily properties

FICO starting at 620*

Lower credit requirements for experienced investors

Condos / Condohotels

Warrantable/Non-Warrantable properties eligible

Modular & Rural properties

Expanded property types for diverse investment strategies

LTVs up to 80%*

Higher leverage options available for qualified borrowers

DSCR below 1.0

Including No Ratio options for maximum flexibility

First-Time Investors welcome

Special programs for new real estate investors

Loan Amounts

$100K – $3.5M to suit various investment sizes

Short-Term Rentals allowed

Perfect for vacation rental investments

Foreign Nationals welcome*

International investor programs available

*See Matrix for Complete Program Parameters

5–10 Unit DSCR / 2–8 Mixed Use

Specialized financing for larger residential and mixed-use properties

FICO starting at 660*

Loan Amounts

$250K – $3M

First-Time Investors

Allowed on 5–10 Residential ONLY*

Foreign Nationals welcome*

Max 2 acres

(non-rural)

Min DSCR: 1.00

*See Matrix for Complete Program Parameters

Alt-Doc Loans (1–4 Units)

Alternative documentation options for self-employed and business owners

FICO starting at 620*

Flexible credit requirements

Loan Amounts up to $4M*

Higher loan amounts for larger investments

LTVs up to 85%*

Maximum leverage for qualified borrowers

Eligible Properties

SFR, SFR+ADU, 2–4 Units, Condos, Condohotel

Rural Properties

Up to 20 acres of land allowed

Documentation Types

12 or 24 mo. Bank Statements
1099
P&L ONLY
P&L + Bank Statements
Asset Depletion

*See Matrix for Complete Program Parameters

1–4 DSCR Loans

FICO starting at 620*

Condos / Condohotels

Modular & Rural properties

LTVs up to 80%*

DSCR below 1.0

First-Time Investors welcome

5–10 Unit DSCR

FICO starting at 660*

Loan Amounts

Min DSCR: 1.00

Alt-Doc Loans

FICO starting at 620*

Loan Amounts up to $4M*

LTVs up to 85%*

Documentation Types

1–4 DSCR Loans

FICO starting at 620*

Condos / Condohotels

Modular & Rural properties

LTVs up to 80%*

DSCR below 1.0

First-Time Investors welcome

Loan Amounts

Short-Term Rentals allowed

Foreign Nationals welcome*

5–10 Unit DSCR / 2–8 Mixed Use

FICO starting at 660*

Loan Amounts

First-Time Investors

Foreign Nationals welcome*

Max 2 acres

Min DSCR: 1.00

Alt-Doc Loans (1–4 Units)

FICO starting at 620*

Loan Amounts up to $4M*

LTVs up to 85%*

Eligible Properties

Rural Properties

Documentation Types

Coming Soon

Fix & Flip

Bridge Loans

Multifamily Loans

Long-Term Financing