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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