Conventional Investment
Residential Financing

  • 2-3 Years of Tax Returns and All Schedules Required
  • Loans on investment residential properties held in an Individual’s name or Corporation’s name
  • Loans from $100,000-$2,000,000
  • 75% Max Loan to Value (some restrictions apply)
  • Rates Starting at 4.5%
  • 650+ Minimum Credit Requirement
  • 12 Month Seasoning on Existing Liens
  • Minimum 1.25% Debt Service Ratio (DSCR)
  • Blanket Loan Financing Available
  • Some Cash Out Restrictions
  • Some State Restrictions

 

Stated Income Investment
Residential Financing

  • No Personal Tax Returns Required for Approval 
  • Investment Property Income Required for Approval 
  • Loans on investment residential properties held in an Individual’s name or Corporation’s name
  • Loans from $100,000-$2,000,000
  • 65% Max Loan to Value (some restrictions apply)
  • Rates Starting at 6.99%
  • 650+ Minimum Credit Requirement
  • 12 Month Seasoning on Existing Liens
  • Some Cash Out Restrictions
  • Some State Restrictions

 

Property types include:

  • Single Family
  • Duplex
  • Triplex
  • 4 unit residential properties

 

Property types include:

  • Single Family
  • Duplex
  • Triplex
  • 4 unit residential properties

 

Conventional Investment Residential Financing Programs are for borrowers that can provide at least 2-3 years of stabilized financials and full tax returns.

 

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The Stated Income Program is for the borrowers that show little to no taxable income.

 

 

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