TABLE OF CONTENTS
Product Offering ....................................................................................................5
NON-CONFORMING LOAN PROGRAM ...........................................................6 Profit & Loss 1 st Lien............................................................................................ 7 Profit & Loss 2 nd Lien ...........................................................................................8 Non-QM Second Mortgage ................................................................................9 1099 Income Qualification ...............................................................................10 No Ratio Owner-Occupied................................................................................11 Bank Statements 12 Month Bank Statement & P&L Programs ......................12 Bank Statement ................................................................................................13 Short Term Rentals ............................................................................................14 Equity Advantage ..............................................................................................15 Asset Depletion ................................................................................................16 Real Estate Investment Loan ............................................................................17 No Ratio .............................................................................................................18 Equity Advantage Non-QM HELOC....................................................................19 Self-Employed Borrower ..................................................................................20 80% LTV, Non-QM Self-Employment Program ...................................................21 Investment ........................................................................................................22 DSCR Loan Program ..................................................................................22 DSCR Investor Cash Flow..........................................................................23 DSCR Short-Term Rental Program............................................................24 DSCR LLC Borrowing Entity Program....................................................... 25 DSCR Program for 5+ Unit and Commercial Properties...........................26 DSCR Program No Income Need to Qualify .............................................27 85% DSCR Loan........................................................................................ 28 No-Seasoning Cash-Out Refinance ....................................................... 29 Rental AVM (no 1007 needed on DSCR) -- only residential properties....... 30 Don’t Lose a Deal Waiting for 1007............................................................ 31 SPECIALTY ASSISTANCE PROGRAM........................................................... 32 Product Enhancements ....................................................................................33 Bridge Now and Sell Later ................................................................................34 Realtor and Buyer Specialty Assistance Program ...........................................35
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