TABLE OF CONTENTS
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 Short Term Rentals ............................................................................................13 Equity Advantage ............................................................................................... 14 Asset Depletion .................................................................................................15 Real Estate Investment Loan ............................................................................16 No Ratio ............................................................................................................. 17 Equity Advantage Non-QM HELOC ....................................................................18 Self-Employed Borrower ................................................................................... 19 80% LTV, Non-QM Self-Employment Program....................................................20 DSCR Loan Program...................................................................................21 DSCR Investor Cash Flow ..........................................................................22 DSCR Short-Term Rental Program.............................................................23 DSCR LLC Borrowing Entity Program.........................................................24 DSCR Program for 5+ Unit and Commercial Properties............................25 DSCR Program No Income Need to Qualify ..............................................26 85% DSCR Loan........................................................................................ 27 No-Seasoning Cash-Out Refinance ........................................................ 28 Rental AVM (no 1007 needed on DSCR) -- only residential properties.........29 Don’t Lose a Deal Waiting for 1007 ............................................................. 30 DEPARTING RESIDENCE - Buy Now and Sell Later........................................31 SBA 7(a) Loan Program................................................................................32 DSCR Foreign Nationals ...............................................................................33 Close with Confidence, Close Faster with Rental Income Loans...................34
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