We also offer non-traditional (non-QM) portfolio loan programs that allow special circumstances for purchase and re-finance for Primary Residence, Second Homes, and Investment Properties:

  • Gift funds allowed (even for investment properties!)
  • Interest only option
  • Non-warrantable condos
  • Condotels
  • Asset Depletion
  • Loan amounts between $100,000 and $3 million for purchase and refinance
  • Major derogatory events (BK, foreclosure) allowed after 4 years and down to 2 years with exceptions
  • DTI > 43% and < 50%
  • Up to 15 properties financed
  • Foreign income and assets allowed with restrictions
  • Non-occupant co-borrower allowed
  • Projected income without a guaranteed non-revocable contract
  • Gaps of employemne toutside of QM requirements (exception basis only)
  • Investment purchase transactions using rental income with no lease agreements
  • Departure residence excluded from debt-to-income ratio when the property is not listed for sale or leased to rent at the time of the subject transaction
  • RSU income allowed
  • Bank Statement only (coming soon)

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