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Non-QM DSCR Programs

Non-QM Programs, View the Matrix

Non-QM DSCR Investor 85% LTV

FICO Down to 620
  • 85% LTV for Purchase, Rate & Term Refi
  • 75% LTV for Cash-Out
  • Down to .75 with 70% LTV
  • Loan amounts to $3,500,000
  • Down to 620 FICO
  • Non-Warrantable Condos OK
  • Investment Properties only
  • No Limit on Financed Properties
  • Gift funds allowed
  • Short term rentals! Airbnb, VRBO, Purchase, Rate & Term Refi, Cash Out
  • 15, 30 and 40-year fixed terms*
Non-QM DSCR, view the Matrix

Non-QM DSCR Investors

FICO Down to 620
  • DSCR = Gross Income divided by PITIA / ITIA Interest Only
  • Max loan amount $3,500,000
  • 1 – 4 family properties and condominiums permitted
  • 85% LTV for Purchase, Rate & Term Refi
  • 75% LTV for Cash-Out Refi
  • Down to 620 FICO
  • Non-Warrantable Condos OK
  • Investment Properties only
  • Gift Funds allowed
  • No limit on Financed Properties
  • Leasehold properties are eligible
  • Short term rentals! Airbnb, VRBO, Purchase, Rate & Term Refi, Cash Out
Non-QM DSCR, view the Matrix

Non-QM DSCR 5-8 Unit

FICO Down to 680
  • Purchase, Rate and Term and Cash-Out
  • Residential 5 – 8 units
  • Occupancy: Investment
  • $2 million max loan amount
  • Min FICO 680
  • 15 -YR Fixed, 30 -YR Fixed*
  • Minimum DSCR ≥ 1.00
DSCR 5 - 8, View the Matrix

Non-QM DSCR Fusion

FICO Down to 680
  • Qualifying Ratio: Rental Income + Asset Utilization ÷ PITIA or ITIA
  • Max loan amount $2,500,000
  • Asset you can use: 401K, Retirement Accounts, Cash in the bank, stocks, bonds, IRAs, Mutual funds
  • 2-4 Unit properties and Condominiums permitted
  • 80% LTV for Purchase, 75% for Rate & Term
  • 70% LTV for Cash-Out Refi
  • Down to 680 FICO
  • Investment Properties Only
  • Gift Funds allowed
  • No limit on Financed Properties
  • 1 Borrower must meet experienced investor definition; additional borrower can be inexperienced/FTHB
Non-QM DSCR, view the Matrix

*For those that qualify