1 Table of contents 125

Loan Portfolio

LOAN		1
PORTFOLIO		1
CREATING THE		1
FUTURE		1
TOGETHER		1
www.thelendingcorporation.com		1
NON-CONFORMING		6
LOAN PROGRAMS		6
UP TO $4M		7
PROFIT & LOSS 1ST LIEN LOAN		7
NO TAX RETURN, NO BANK STATEMENT		7
QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”		7
28 DAYS		7
Danijella Dragas		7
PROFIT & LOSS 2ND LIEN LOAN		8
UP TO $1M		8
NO TAX RETURN, NO BANK STATEMENT		8
QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”		8
Loan Highlights:		8
Flexible Loan Terms:		8
Minimum Requirements:		8
28 DAYS		8
Let's close your real estate transaction with ease and an on-time close and fund.		8
Danijella Dragas		8
Non-QM		9
Second Mortgage		9
HIGHLIGHTS:		9
Up to 85% CLTV		9
Full Doc		9
1yr Self-employed OK		9
3mo BKST + 12mo		9
1099 Only OK		9
WVOE OK		9
Asset Utilization – On Its Own or To Supplement OTHER Income		9
DSCR OK		9
ITIN OK		9
DACA OK		9
Primary, 2nd home & investment Options		9
$75Kmin Loan Amount		9
NO Reserves Required		9
Loan Amounts Up To $750K		9
Danijella Dragas		9
1099		10
INCOME QUALIFICATION		10
Qualify using 1099's		10
PROGRAM HIGHLIGHTS:		10
REQUIREMENTS:		10
Two (2) months bank statements to support income		10
Danijella Dragas		10
NO RATIO		11
OWNER-OCCUPIED		11
Income Verification		11
No DTI Calculated!		11
No Statement of Income Required!		11
Will Only Verify Last Two Years’ Employment:		11
Self-Employed: Accountant’s Letter		11
Wage-Earner: V0E (No Income)		11
No Tax Return or W2s requeired. Not a Bank Statement Program.		11
Asset Verification		11
1 Month Bank Statement (covering at least 30 days)		11
100% Gifts Allowed for Down Payment, Closing Costs, Reserves		11
Cash-Out Proceeds May Be Used Towards Reserves		11
Income Verification		11
Purchase & Rate/Term Refinance up to 75% LTV		11
Cash-Out Refinance up to 65% LTV, Unlimited Cash-Out Funds		11
1-4 Units, Condos, Coops, PUDs		11
Second Homes Allowed		11
Minimum 680 FICO		11
Loan Amounts up to $3,000,000		11
5/6m ARM , 7/6m ARM , 15 or 30 Year Fixed		11
Interest Only Option Available on All Loan Terms Except 15 Year Fixed		11
First-time Homebuyers Eligible (Max 70% LTV)		11
Let's close your real estate transaction with ease and an on-time close and fund.		11
Danijella Dragas		11
BANK STATEMENTS WITH OPTIONS!		12
12 Month Bank Statement & P&L Programs		12
HIGHLIGHTS		12
Use 100% of deposits on Personal Statements Use up to 85% of deposits on Business Statements		12
Up to 90% LTV Purchase to $1.5M		12
Up to 85% LTV Rate/Term		12
Up to 80% LTV Cash Out		12
Min FICO 600		12
Loan amounts up to $4,000,000		12
Couple with Asset Utilization for extra income		12
Transfers from Business to Personal OK!		12
P&L Program comes with 3 Months Bank Statement		12
Multiple Business Accounts OK		12
Fixed Expense Factor		12
Third Party Prepared P&L		12
Third Party prepared Expense Statement		12
Let's close your real estate transaction with ease and an on-time close and fund.		12
Danijella Dragas		12
SHORT TERM RENTALS		13
CLOSE MORE LOANS WITH THE LENDING CORPORATION		13
CREDIT SCORES STARTING AT 700 | UP TO 75% LTV		13
Loans up to $3 million with a minimum of $100,000		13
Purchase and cash-out or rate-term refinance		13
DSCR must be 1.00 or greater		13
Max of 5 loans with AOMS; exceptions considered when there are more than 5 loans		13
No limit on total number of financed properties a borrower can own		13
Permanent and non-permanent residents allowed		13
No income or employment required; qualification based on property cash flow		13
Warrantable, non-warrantable, and condo hotels allowed		13
Interest-only option available		13
Gift funds allowed		13
Properties can vest title in LLC, S corp, C corp, or revocable trust		13
Up to 6% celler concessions		13
First time home buyer not allowed		13
Let's close your real estate transaction with ease and an on-time close and fund.		13
Danijella Dragas		13
Equity Advantage		14
Our Non-QM stand-alone second mortgage product is a financing solution that allows borrowers to keep their current first lien mortgage and interest rate while unlocking equity in the underlying subject property.		14
Program Highlights		14
Stand-alone second lien mortgage only		14
Primary, second home, and investment properties		14
Minimum 680 FICO		14
Loan amount up to $500,000		14
Maximum CLTV 85% for a primary home		14
Maximum CLTV 70% for second homes and investment properties		14
Single family residence, PUD, townhomes, 2-4 units		14
Full doc, personal and business bank statements		14
Warrantable condos		14
Maximum DTI 50%		14
No reserves required		14
84 months seasoning required for bankruptcy, foreclosure, short sale, and deed-in-lieu		14
Let's close your real estate transaction with ease and an on-time close and fund.		14
Danijella Dragas		14
BUILD ON YOUR ASSETS		15
QUALIFY FOR A MORTGAGE USING YOUR ASSETS. ONLY TWO MONTHS BANK STATEMENTS ARE REQUIRED		15
Flexible loans to get you approved quickly.		15
LTVs up to 90%		15
Loan amounts from $200,000 to $4,000,000 (higher by exception)		15
All occupancies		15
Asset depletion can be sole source of income or supplement other income sources		15
Total qualifying assets divided by 120 (reduced to 84 by exception)		15
Danijella Dragas		15
www.thelendingcorporation.com		15
REAL ESTATE		16
INVESTMENT LOANS		16
Qualify with Expected Cash Flow		16
No income documentation required		16
Qualification is based solely on the cash flow of the subject property		16
Options for foreign nationals		16
DSCR can be as low as 0		16
Programs for 1-4 residential units or 5-8 units		16
Loan amounts up to $6MM		16
Let's close your real estate transaction with ease and an on-time close and fund.		16
Danijella Dragas		16
NO INCOME,		17
NO PROBLEM!		17
The Lending Corporation’s - NO INCOME RATIO LENDING		17
NO RATIO		17
Highlights:		17
No Income = No Ratio		17
Max Loan Amount $2,500,000		17
Interest Only Options		17
Make Up To 6.99%		17
70% LTV For Purchase		17
Originate In Multiple States.		17
No Minimum Tradelines With 3 FICO Scores (All 3 Bureaus)		17
65% LTV For Rate/Term		17
60% LTV Cash Out		17
Minimum 700 FICO		17
Investment Properties Only		17
Gift Funds Allowed For Down Payment		17
No Limit On Financed Properties		17
1-4 Family Properties And Condos Permitted		17
Let's close your real estate transaction with ease and an on-time close and fund.		17
Danijella Dragas		17
EQUITY ADVANTAGE NON-QM HELOC		18
The Lending Corporation Equity Advantage non-QM HELOC offers a fast and easy close so your borrowers can get the funds they need as soon as possible. Become a hero helping your clients with debt consolidation, home renovations, tuition or meeting other financial goals!		18
PROGRAM HIGHLIGHTS		18
Loan amounts from $500,000 to $1,000,000		18
DTI 50%		18
Maximum CLTV 85% for primary		18
Maximum CLTV 70% for secondary		18
Minimum FICO 640 primary residence		18
Minimum FICO 680 secondary homes		18
Owner-occupied, second homes and investment properties		18
Full doc, personal bank statements, and assets allowed for income verification		18
SFR, townhomes, condos, second homes and investment properties		18
Open-ended loan with a term of 5, 10, 15 or 30-years		18
Available on 1st and 2nd liens		18
100% drawn at time of origination with a 100% draw feature		18
Fixed lender paid 2.00% broker comp on all funded HELOCS (0.50% if the property is listed for sale)		18
*Owner-occupied only for the state of Texas		18
Let’s talk about how this pivotal partnership can transform your business.		18
Danijella Dragas		18
www.thelendingcorporation.com		18
HOME LOANS FOR		19
SELF-EMPLOYED BORROWER		19
CREATIVE WAYS TO LEVERAGE YOUR INCOME		19
Simplified process to determine and maximize self-employed income		19
No tax returns necessary		19
Qualify with bank statements or just a P&L statement		19
Loan amounts up to $6MM		19
Let's close your real estate transaction with ease and an on-time close and fund.		19
Danijella Dragas		19
WIDEN YOUR MARKET REACH WITH SELF-EMPLOYED BORROWERS		20
with our Non-QM 1-Year Self-Employed program!		20
Your pipeline will thank you!		20
PROGRAM HIGHLIGHTS		20
Only ONE Year of Self-Employment required		20
Up to 80% LTV purchase		20
Refinance and Cash-Out available		20
REQUIREMENTS		20
660 Min FICO		20
Income qualifies with only 12 Months most recent bank statements and the previous year W-2		20
Must be in the same line of work or industry		20
Let's close your real estate transaction with ease and an on-time close and fund.		20
Danijella Dragas		20
DSCR Loan Program		21
Close More Loans with The Lending Corporation		21
Credit Scores Starting at 680 | Up to 85% LTV		21
Frequently Asked Questions		21
How do you calculate the debt service coverage (DSCR)?		21
Do real estate investment loans close faster than other mortgage loans?		21
Can I get a mortgage for an investment property?		21
Let's close your real estate transaction with ease and an on-time close and fund.		21
Danijella Dragas		21
DSCR Investor Cash Flow		22
Our innovative primary product for real estate investors is a collateral based business purpose loan. Traditional income verification is not required.		22
Program Highlights		22
DSCR less than 1.00x allowed on purchase only		22
Max loan amount up to $2.5 million		22
FICO down to 660		22
Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75%		22
Cash-out up to $500,000 and proceeds can be used for reserve requirements		22
SFR, PUD, townhomes, 2-4 units, condos, non-warrantable condos		22
15-year fixed, 30-year fixed and 5/6 ARM with a 10-year interest only option		22
Gift funds can be used for down payment, closing costs, and reserves after the borrower has documented the minimum required borrower contribution		22
LTV up to 70% for foreign nationals on purchase and rate-term refinances and 60% on cash-out transactions		22
First-time investors allowed up to 75% LTV		22
Up to 3% seller concessions allowed		22
towards closing		22
Foreign nationals reserves 6 months PITI		22
Let's close your real estate transaction with ease and an on-time close and fund.		22
Danijella Dragas		22
www.thelendingcorporation.com		22
DSCR A YEAR LOAN FIXED PROGRAM		23
We allow short-term rentals providing more flexibility to real estate investors!		23
Program Highlights		23
Income received directly from a home-sharing service such as Airbnb or VRBO, or property management services may be used for qualification		23
DSCR under 1.00 for purchase transactions		23
No personal income or employment information required		23
Enhanced guidance on short-term rental income		23
Qualification is based on the cash flow of the property		23
Up to 80% LTV on purchase and rate/term refinances		23
DSCR over 1.00		23
Up to 75% LTV on cash-out refinances		23
Non-warrantable condos allowed		23
Let's close your real estate transaction with ease and an on-time close and fund.		23
Danijella Dragas		23
DSCR LLC Borrowing Entity Program		24
A limited liability company (LLC) is allowed under The Lending Corporation’s DSCR Borrowing Entity Program.		24
Program Highlights		24
DSCR less than 1.00x allowed on purchase only		24
LLC borrower permitted on DSCR loans2		24
LLC limited to max of 4 members/owners		24
LLC business purpose and activities limited to ownership and management of real estate		24
LLC must be authorized to do business and in good standing in the state of organization and the subject property state		24
Personal guarantor required (must have 25% or more ownership in the LLC)		24
Eligible personal guarantor: U.S. citizens, permanent resident aliens, and non-permanent resident aliens		24
First-time investors allowed up to 75% LTV		24
Required documentation:		24
Articles of organization/certificate of formation		24
Operating agreement (or equivalent)		24
Evidence of signing authority for personal guarantor signing on behalf of LLC		24
Certificate(s) of good standing		24
Credit report for personal guarantor		24
Let's close your real estate transaction with ease and an on-time close and fund.		24
Danijella Dragas		24
www.thelendingcorporation.com		24
DSCR PROGRAM FOR 5+ UNIT AND COMMERCIAL PROPERTIES		25
FINANCING SOLUTION		25
5 plus unit residential, office, retail, industrial, mixed use, and mobile home parks approved!		25
LTV’s to: 70% purchase; 70% rate/term refinance; 65% Cash Out Refinance.		25
Rates starting in the mid 9’s for a 30 year fixed		25
DSCR of 1.15X based on the market rents and Net Operating Income in the appraisal. This means below market rents, vacancies, etc. get much better funded amounts with us!		25
NO seasoning requirements		25
ITIN loans at 5% reduction to LTV		25
Minimum loan $250K, Maximum loan $5 million		25
Fund in all 50 states nationwide (excepting in areas considered too rural)		25
Brokers protected and paid		25
We don’t fund renovations, but we’re perfect for post renovations or properties that can be improved but are currently occupiable		25
No Tax Returns program available for add-on to the base rate. Application, credit report, appraisal, rent roll and property P&L to approve the deal.		25
Let's close your real estate transaction with ease and an on-time close and fund.		25
Danijella Dragas		25
No Income Need to Qualify.		26
DSCR your way to Real Estate Ownership.		26
Open new investment paths with expansive DSCR options that don’t require personal income to qualify.		26
With features like no and low ratio DSCR, First Time Investors welcome, and manufactured housing allowed, borrowers can blaze new trails.		26
Highlights		26
Loan amounts up to $2 million but higher on other Foreign National Programs		26
Credit scores starting at 680 (we generate this as the default credit score)		26
LTVs up to 75% for Purchase, 70% for Rate/Term, and 65% for Cash-Out		26
Minimum DSCR of 1.0		26
1–4 unit properties allowed		26
Short-term rentals not permitted		26
Cash-out proceeds may be used as reserves		26
Let’s elevate your business portfolio and create new USA business real estate opportunities.		26
Danijella Dragas		26
85% D S C R LOAN		27
With loan amounts up to $3,500,000.00		27
PROGRAM HIGHLIGHTS		27
85% LTV for Purchase, Rate & Term Refi		27
75% LTV for Cash-Out		27
Gift Funds Allowed		27
Loan amounts to $3,500,000		27
620 Min FICO		27
ITIN & Foreign Nationals OK		27
1x30 OK!		27
Cash out can be used as reserves		27
Non-Warrantable Condos OK		27
No Limit on Financed Properties		27
<1.00 DSCR allowed		27
Short term rentals! Airbnb, VRBO OK!		27
15, 30 and 40-year fixed terms		27
Let's close your real estate transaction with ease and an on-time close and fund.		27
Danijella Dragas		27
No-Seasoning Cash-Out Refinance		28
Access Equity Fast — No Waiting Needed!		28
Unlock your property’s potential with our new Instant Equity Cash-Out Refinance Program.		28
Designed for investors and homeowners ready to keep their capital moving — no holding period required.		28
Program Highlights		28
Max LTV 80%		28
Refi Immediately After Purchase — No Waiting Period		28
Use Lessor of Appraised Value or Purchase Price + Documented Improvements		28
Primary or Investment Properties		28
Title in LLC or Corp OK (business purpose only)		28
Borrower must be the original purchaser of subject property		28
Let's close your real estate transaction with ease and an on-time close and fund.		28
Danijella Dragas		28
www.thelendingcorporation.com		28
Don’t Lose an Investor Deal waiting for the Appraiser’s Fair Market Rent Comparison		30
When your investor client need a quick cash flow-to-debt ratio quote, speed and certainly are everything.		30
The scenarion: Investor is Shopping- Win the Quote Race		30
Your Competitor		30
(The old way)		30
Action: Guess the rental income or rely on the 1007 (5 to 7 days) for verification		30
Result: Client receives an uncertain quote. They hesitate or shop around.		30
You		30
(with The Lending Corporation AVM)		30
Action: Use QuickQuote to generate a date-backed rental income estimate in Minutes.		30
Result: You deliver a confident date-backed preliminary quote to earn instant trust and commitment.		30
Let's close your real estate transaction with ease and an on-time close and fund.		30
Danijella Dragas		30
BUY NOW		31
and		31
SELL LATER		31
BUY NOW ANDSELL LATER		31
DREAM CLIENT		31
DEPARTING HOME		31
SBA 7(a) Loan Program		32
Flexible financing for real estate and business needs — even without property involved.		32
Transaction Types:		32
Business acquisitions (with or without real estate)		32
Franchise startups and expansions		32
Partner buyouts and ownership transfers		32
Working capital and debt refinancing		32
Equipment purchases and leasehold improvements		32
Owner-occupied commercial real estate (purchase, refinance, renovation or construction)		32
Highlights:		32
Loan sizes up to $5 million		32
Long terms and low down payments on purchase-type transactions (even 100% financing in some cases)		32
Ideal for non-real estate and cash-flow-based lending, as well as aggressive real estate lending		32
SBA 504 Loan Program		32
Perfect for fixed asset projects — lower down payment, longer terms, and below-market rates.		32
Transaction Types:		32
Commercial real estate purchases or refinances, including cash out and debt consolidation refinances up to 90% LTV		32
Ground-up construction and expansion projects		32
Heavy equipment or owner-occupied building acquisitions		32
Structure:		32
50% Bank / 40% SBA CDC / 10% Borrower injection		32
Fixed-rate SBA second mortgage up to 25 years		32
Highlights:		32
As little as 10% down		32
Low fixed rates on the SBA portion		32
Excellent for owner-users seeking long-term stability		32
USDA Business & Industry (B&I) Loan Program		32
For businesses in rural and semi-rural areas — flexible financing for growth and expansion.		32
Transaction Types:		32
Real estate purchase, refinance, or construction		32
Business acquisitions, expansions, or debt refinance		32
Equipment and working capital		32
Highlights:		32
Loan sizes up to $12 million		32
Available in most areas under 50,000 population		32
Great solution when projects fall outside metro footprints		32
PROPERTY TYPES FOR ALL REAL ESTATE TRANSACTIONS:		32
Multi-Use: Office, retail, industrial		32
All kinds of special use – restaurants, gas stations, hotels, daycare, car washes, assisted living, RV parks, self storage, private schools, auto dealerships, and the list goes on		32
Let's close your real estate transaction with ease and an on-time close and fund.		32
Danijella Dragas		32
We just funded a		33
FOREIGN NATIONAL DSCR PURCHASE		33
in only 11 days!		33
Deal Highlights:		33
First-Time Investor		33
$494,000 Loan Amount		33
70% LTV		33
No Credit Score		33
SFR Property		33
DSCR below 0.75		33
30-Year Fixed with 3-Year Prepay		33
7.375% Rate / 7.933% APR		33
This deal shows how quickly and efficiently we can close—even on complex borrower profiles.		33
Let's close your real estate transaction with ease and an on-time close and fund.		33
Danijella Dragas		33
CLOSE WITH CONFIDENCE, CLOSE FASTER WITH RENTAL INCOME LOANS - NO DISAPPOINTMENTS FROM UNDERVALUED RENT		34
Remove All The Anxiety waiting for the Appraisal and the rental market survey!		34
Are you ready to take out the worry of your appraisal and the estimated fair market rent value or the rent schedules coming in low, after weeks of processing a loan to find that the loan does not qualify, all the time and money spent to not be able to close.		34
There's a solution for that — our Rental AVM upfront analysis.		34
We pull the rental AVM up front (upon prequalification submission) on your subject property. The estimated rent on the rental AVM will override your rent schedule fair market rent value on DSCR loans. Allowing for clear and concise expectations with your clients.		34
Benefits		34
No surprises mid-process		34
Clear expectations for borrowers		34
Faster approvals, fewer delays		34
Reduced fallout on DSCR deals		34
Qualifications		34
Alternative ways to qualify subject property on a DSCR loan include:		34
• Rental AVM (Preferred)		34
• AirDNA Reports		34
• Short-Term Rental Narrative		34
• Executed Lease + Rent Receipts		34
• Airbnb / VRBO Income		34
Let's close your real estate transaction with ease and an on-time close and fund.		34
Danijella Dragas		34
WIN #1 — Investor		35
WIN #2 — Realtor		35
WIN #3 — Lending Strategy		35
PROGRAM HIGHLIGHTS		36
SELF-PREPARED P&L		36
WVOE PROGRAM		36
When tax returns or CPA-prepared P&Ls slow down a deal, the Self-Prepared P&L / WVOE program offers a faster and more flexible alternative designed specifically for self-employed borrowers who fall outside traditional agency guidelines.		36
Loan Type: 5/6 ARM		36
Rate: 5.625% at Par		36
Minimum FICO: 680		36
Maximum LTV: 70%		36
Maximum Loan Amount: $2,000,000		36
FLEXIBLE DOCUMENTATION		36
This program simplifies qualification for self-employed borrowers.		36
No CPA-Prepared P&L Required		36
Self-Prepared Profit & Loss accepted		36
WVOE (Written Verification of Employment) option available		36
Available States:		36
California		36
Texas		36
Nevada		36
ADDITIONAL PROGRAM BENEFITS		36
ELIGIBLE OCCUPANCY TYPES		36
Gift Funds Allowed		36
No Prepayment Penalty		36
Foreign National financing available (under CPA-Prepared P&L / WVOE option)		36
Primary Residence		36
Second Home		36
Investment Property		36
Danijella Dragas		36
www.thelendingcorporation.com		36
CORE LOAN HIGHLIGHTS		37
TARGET BORROWERS		37
1099 INCOME		37
ASSET-BASED QUALIFICATION		37
RETIREMENT INCOME		37
REAL ESTATE INVESTOR INCOME		37
CORE CONCEPT		38
ELIGIBLE ASSETS		38
100% Counted		38
80% Counted		38
70% Counted		38
50% Counted		38
25% Counted		38
QUALIFICATION REQUIREMENTS		38
LOAN GUIDELINES		38
The DSCR Mastery Playbook:		39
Non-QM Edition		39
How to confidently sell DSCR loans to		39
real estate investors		39
Who this playbook is for		40
DSCR works best when you structure the deal right from the start.		40
This playbook will help you:		40
Structure deals		40
that close		40
clean, not just		40
get approved		40
Expand investor		40
buying power		40
without relying on		40
income docs		40
Eliminate		40
surprises before		40
they reach		40
underwriting		40
What DSCR is and why it exists		41
This makes DSCR especially useful for:		41
DSCR QUALIFIES THE PROPERTY - NOT THE PERSON!		41
How to position DSCR to		42
real estate investors		42
START WITH CLARITY		42
WHAT INVESTORS CARE ABOUT		42
WINNING FRAMING		42
REFRAME THE RATE CONVERSATION		43
The rate objection usually signals one of three things:		43
Reframing examples:		43
INSTEAD OF:		43
SAY:		43
INSTEAD OF:		43
SAY:		43
INSTEAD OF:		43
SAY:		43
INSTEAD OF:		43
SAY:		43
When DSCR is framed as an investor tool instead of an alternative loan, pricing becomes contextual and predictable.		43
How to calculate DSCR		44
The formula is straightforward:		44
Debt Service Coverage Ratio (DSCR) =		44
Gross Rental Income		44
Annual Debt Obligations		44
Where:		44
Total Annual Debt Service:		44
EXAMPLE		44
Why This Matters:		44
DSCR Requirements for Different Loan Types:		44
Think like an underwriter:		45
Structuring winning DSCR deals		45
START WITH DEFENSIBILITY		45
ANTICIPATE CONDITIONS		45
VERIFY EVERY INPUT		45
BALANCE THE RISK PROFILE		45
YOUR DSCR DEAL CHECKLIST:		45
ALIGN WITH EXIT STRATEGY		45
Real-world DSCR scenarios		46
Meet Mike: The Scaling Investor		46
Meet Sarah: The Tight Ratio		46
Meet Anthony: The Rate Objection		46
Partnering with The Lending Corporation		46
Get Non-QM loans to the		47
closing table. Fast.		47
TAILORED LENDING SOLUTIONS		47
No two deals are the same, and we make sure every loan meets the unique needs of our brokers and their borrowers.		47
SPEED & EFFICIENCY		47
With 24-hour underwriting decisions and 15-day closings, we move at the pace today’s brokers expect.		47
EXPERT SUPPORT		47
Our Account Executives, Underwriters, and Closing teams are dedicated to making the process seamless from start to finish.		47
Let's close your real estate transaction with ease and an on-time close and fund.		47
Danijella Dragas		47
TSP		48
TLC Core		48
Full Doc Program		48
TLC Statement		48
TLC Flex		48
TLC Express		48
No Doc Program		48
TLC DSCR		48
DSCR Program		48
The Lending Corporation, LLC.. All Rights Reserved. To see the states where the company is licensed, please visit www.nmlsconsumeraccess.org, The information combined herein is provided to assist real estate and mortgage lending professionals and is not an advertisement to extend credit directly to consumers. Credit and collateral are subject to approval. Program and other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice.		48
Let's close your real estate transaction with ease and an on-time close and fund.		48
Danijella Dragas		48
Danijella Dragas		49
+1 949-400-5779 (Direct Line)		49
+1 917-456-9757 (Mortgage Assisstant)		49
ddragas@thelendingcorporation.com		49
www.thelendingcorporation.com		49
"Control risk, the returns will take care of themselves"		49
Personal NMLS#:1099405		49
Company NMLS#:2621251		49
BUYER AND REALTOR		50
ASSISTANCE PROGRAM		50
Exciting Product Enhancements To Start The Year Strong!		51
The Lending Corporation is excited to announce new product enhancements right out of the gate this year! We celebrated a historical record for non-QM funding in 2024, and we’re ready to do that again in 2025.		51
We are committed to helping you grow your business along with us.		51
Here are the highlights of our product updates:		51
Expanded-Prime		51
Equity Advantage - Closed-End Second		51
DSCR / BPL		51
Non-Prime		51
Let's close your real estate transaction with ease and an on-time close and fund.		51
Danijella Dragas		51
ALLOW YOUR BUYERS TO FINANCE THEIR REALTOR FEES!		52
EXAMPLE SCENARIO:		52
Instead of your buyers paying out of pocket at closing, roll it into the loan amount—keeping the original LTV and Pricing/Rate intact!		52
WHY THIS GIVES YOU A COMPETITIVE EDGE:		52
What loans can I help with right now?		52
Let’s talk financing solutions today!		52
Danijella Dragas		52
Danijella Dragas		53
+1 949-400-5779 (Direct Line)		53
+1 917-456-9757 (Mortgage Assisstant)		53
ddragas@thelendingcorporation.com		53
www.thelendingcorporation.com		53
"Control risk, the returns will take care of themselves"		53
Personal NMLS#:1099405		53
Company NMLS#:2621251		53
THE LENDING CORPORATION NMLS 2621251		53
OFFERING CHURCH FINANCING IN TX, FL, MN, NY, CA OTHER STATES		54
We understand that churches often require financial assistance to support their operations and growth. That’s why we are pleased to offer CHURCH FINANCING loans in TX, FL, MN, NY, CA and all other states to support your mission and vision.		54
Our church financing loans are tailored to meet the unique needs of churches of all sizes. We offer flexible repayment terms, competitive interest rates, and no prepayment penalties. Our loan specialists will work with you to understand your specific needs and provide a loan solution that fits your budget.		54
THE BEST CHURCH FINANCING PROVIDER IN TX, FL, MN, NY, CA, AND OTHER STATES		54
Offering a church-financing loan that can help your church pay for repairs and renovations. Our loan process is quick and easy and we offer competitive interest rates. Plus, our loan payment terms are flexible, meaning you can pay the money back over time. Our loan offer is available in TX, FL, MN, NY, CA and all other states in US.		54
Don’t let financial limitations prevent your church from getting the repairs and renovations it needs. With our financing loan, you can make those improvements now, rather than waiting until later when it might be too late.		54
MOST TRUSTED CHURCH FINANCING LOAN IN TX, FL, MN, NY, CA, AND OTHER STATES		54
Take advantage of our financing loan now to get the repairs and renovations your church needs! Apply today and start making those improvements! We are committed to helping churches like yours achieve their financial goals. Serving TX, FL, MN, NY, CA and all other states.		54
Let's close your real estate transaction with ease and an on-time close and fund.		54
Danijella Dragas		54
www.thelendingcorporation.com		54
Protect your home from Foreclosure and Bailout with Cash out Refinance		55
What We Deliver:		55
Foreclosure Bailouts & Cash Out Refinancing		55
FICO scores down to 500		55
Fast closings to rescue time-sensitive deals		55
Creative structuring for distressed homeowners		55
A Fresh Start For Borrowers		55
Solutions for maturity defaults		55
Funding available for mid-swing construction projects		55
Stabilize your pipeline with flexible, commonsense lending		55
Let's close your real estate transaction with ease and an on-time close and fund.		55
Danijella Dragas		55
The Lending Corporation Allows Crypto for Reserves		56
Guideline Highlights		56
Guideline Highlights		56
Your clients can meet reserve requirements with unliquidated cryptocurrency. We'll use 60% of the current valuation from the Coinbase Exchange. If your client transfers the crypto into a U.S. financial institution prior to closing, 100% of the funds can be used for reserves.		56
In order to use crypto for down payment and closing costs, the assets must be liquidated and deposited into an established US bank account.		56
Let’s close your real estate deal with ease—using crypto and funding on time.		56
Danijella Dragas		56
THE KEY TO CLOSING MORE FHA LOANS		57
About Us		57
The Pathway For Homeownership Program		58
Research program designed for every FHA purchase or refinance client. The program is not a Down Payment Assistance (DPA) program, which means no rate change, no refinance restrictions, and it provides nationwide* availability.		58
Earned income, not a grant or a gift. There are no repayment requirements, no income		58
limits, no credit score requirements, and no second liens.		58
Standard FHA 203B loan. Everything done in house. For purchase and refinance.		58
The Problem		58
Over 340,000 FHA homeowners are seriously delinquent.		58
An inverse relationship exists between the likelihood of default & savings; the risk is highest when savings are lowest.		58
The average FHA buyer moves in with minimal savings, increasing their risk of default.		58
The data behind WHY we do what we do: Lack of savings significantly decreases the possibility of default.		59
The Solution		59
Pre-Closing Financial Education		59
Earned Income		59
Post-Closing Financial Mentorship		59
Long Term Savings		59
Buyer Does		60
Responds toperiodic future surveys		60
Buyer Gets		60
Earned income of 3.5%ofpurchase price up to $13,000		60
You Decide		60
The funds from The Lending Corporation are earned income, and a participant in the program can use these funds as needed:		60
Closing Costs Debt payoff Down Payment Replenishment Realtor fees Cash Reserves for mortgage approval Interest Rate Buy-Down Appraisal Shortages More!		60
Solar - How & Why		61
FHA Solar and Wind Technology Policy (SWT)		61
Solar Benefits		61
FHA PURCHASE		61
WITHOUT The Lending Corporation		61
WITH		61
The Lending Corporation		61
MORTGAGE		61
$2,000		61
$2,200		61
ELECTRIC BILL		61
$300		61
$100		61
TOTAL		61
$2,300		61
$2,300		61
FHA purchase or refinance client will keep nearly identical expenses and still earn the 3.5% up to $13,000.		61
YOUR FHA PIPELINE		62
WITHOUT The Lending Corporation		62
WITH		62
The Lending Corporation		62
LOANS CLOSED		62
AMOUNT FUNDED		62
$1,000,000		62
$1,200,000		62
1%		62
$10,000		62
$12,000		62
Loan Officers and their clients win together!		62
Getting Started		62
Why Real Estate Agents and Borrowers Love The Lending Corporation		63
Property Eligibility		63
Condos are ineligible Property must be in a eligible state		63
FHA Mortgage Paving the way to a Greener Future & Empowering Lives, One Home at a Time		64
advises participants that they use other assets on hand to cover the minimum required investment (MRI) on the loan. recommends to lenders that program earnings only be utilized after the participant has covered the MRI through other assets on hand and that the total amount of program earnings utilized at close does not exceed 6% of the sales price when added to any seller concessions occurring in the transaction, if applicable. The Lending Corporation believes that this is the best way to support the primary mission of the program and to align with the intent of the applicable FHA underwriting guidelines.		64
Let's close your real estate transaction with ease and an on-time close and fund.		64
Danijella Dragas		64
+1 949-400-5779 (Direct Line)		64
+1 917-456-9757 (Mortgage Assisstant)		64
ddragas@thelendingcorporation.com		64
www.thelendingcorporation.com		64
"Control risk, the returns will take care of themselves"		64
FHA		66
LOAN PROGRAMS		66
100% FINANCE		67
Meet 100% FINANCE		67
A TRUE GAME-CHANGER		67
100% FHA FINANCING		67
for when your buyer has Nothing Down... 100% FINANCE!		67
ONE SUBMISSION, ONE APPROVAL, ONE CLOSING!		67
2ND MORTGAGE INTEREST RATE = 2.00% HIGHER THAN THE RATE ON THE 1ST MORTGAGE WITH 10-YEAR FIXED AMORTIZATION 2ND PAYMENT MUST BE INCLUDED IN DTI		67
Let's close your real estate transaction with ease and an on-time close and fund.		67
Danijella Dragas		67
We take care of		68
PET CARE		68
100% FINANCING		68
for the purchase of a new home!		68
100% financing up to $1,000,000		68
95% financing up to $1,500,000		68
90% financing up to $2,000,000		68
NO Mortgage Insurance paid by borrower		68
Only 1 borrower must meet the professional position requirements		68
We do not count deferred student loan debt for qualifying!		68
Let's close your real estate transaction with ease and an on-time close and fund.		68
Danijella Dragas		68
WE TAKE CARE OF		69
DENTAL CARE		69
100% FINANCING		69
for the purchase of a new home!		69
100% financing up to $1,000,000		69
95% financing up to $1,500,000		69
90% financing up to $2,000,000		69
NO Mortgage Insurance paid by borrower		69
Only 1 borrower must meet the professional position requirements		69
We do not count deferred student loan debt for qualifying!		69
Qualifying Professions:		69
Attorneys		69
Certified Public Accountants		69
Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)		69
Let's close your real estate transaction with ease and an on-time close and fund.		69
Danijella Dragas		69
We take care of		70
ATTORNEYS		70
100% FINANCING		70
for the purchase of a new home!		70
Qualifying Professions:		70
Let's close your real estate transaction with ease and an on-time close and fund.		70
Danijella Dragas		70
We take care of		71
CPAs		71
100% FINANCING		71
for the purchase of a new home!		71
100% financing up to $1,000,000		71
95% financing up to $1,500,000		71
90% financing up to $2,000,000		71
NO Mortgage Insurance paid by borrower		71
Only 1 borrower must meet the professional position requirements		71
We do not count deferred student loan debt for qualifying!		71
Qualifying Professions:		71
Danijella Dragas		71
We take care of		72
DOCTORS		72
100% FINANCING		72
for the purchase of a new home!		72
Let's close your real estate transaction with ease and an on-time close and fund.		72
Danijella Dragas		72
Mission		73
Critical Information		73
100% VA Financing		73
HIGHLIGHTS		73
600 and above minimum credit score		73
100% loan-to-value (LTV) available for purchases and refinances		73
Loan amounts up to $2.5M		73
No down payment required on purchases		73
Up to 105% LTV/125% CLTV on IRRRLs		73
IRRRLs available for investment properties		73
Please contact me, and let's take on this		73
Mission Together.		73
Danijella Dragas		73
2/1 AND 1/0 BUYDOWN PROGRAMS		74
High Balance Option Available.		74
Our buydown loans provide a lower rate for the first one or two years, paid by the seller. Now you can reach more clients to expand your pipeline!		74
PROGRAM HIGHLIGHTS:		74
30 year Fixed Rate Mortgages, Non-Standard Terms Available		74
Primary Residences only		74
Single Family Residences, PUD and Condos		74
VA (also available for FNMA and FHA)		74
High Balance available		74
Purchase Transactions only		74
Term: 24 months (2-1)		74
Term: 12 months (1-0)		74
Borrower(s) are Qualified off Note Rate not buydown rate		74
Buydown cost is paid by Seller/Builder concessions		74
Seller Concessions Max 4% on VA		74
Let's close your real estate transaction with ease and an on-time close and fund.		74
Danijella Dragas		74
www.thelendingcorporation.com		74
HOME ASSIST PROGRAM		75
This program allows for 101.5% CLTV with 1.5% going to closing costs.		75
Highlights:		75
101.5% CLTV, (96.5% First + 5% DPA)		75
5% DPA available to assist with closing costs		75
FHA 30-YR Fixed Purchase		75
No Income Limits		75
1 - 2 Units, Primary Residence Only (No FTB Requirement)		75
620 Min FICO for AUS		75
660 Min FICO for Manual		75
Let's close your real estate transaction with ease and an on-time close and fund.		75
Danijella Dragas		75
www.thelendingcorporation.com		75
The Lending Corporation		76
Down Payment Assistance Program		76
HIGHLIGHTS:		76
FHA DPA, Purchase Only		76
2/1 Buydown option available (24 month term)		76
Min FICO 600 - DU Approve/Eligible		76
Manual Underwrite Available, Min FICO 660		76
Not Available with Buydown option		76
Follows FHA guidelines		76
No Maximum Income Restrictions		76
No First Time Home Buyer Requirement		76
Non-occupied Co-borrowers allowed per FHA guides		76
DTI - Follow AUS - Approved/Eligible		76
One borrower must complete HUD approved counseling		76
96.5% Max LTV with 3.5% DPA (100% CLTV)		76
Conforming and High Balance Loan Limits Available		76
Second Mortgage Lien forgiven after 10 years		76
Let's close your real estate transaction with ease and an on-time close and fund.		76
Danijella Dragas		76
FHA		77
HOME LOANS		77
FLEXIBLE LENDING SOLUTION		77
FHA Lending from The Lending Corporation		77
Home buying and refinancing made simple and affordable with excellent pricing and		77
reduced out of pocket expenses.		77
HIGHLIGHTS		77
Purchase: 550 FICO at 90% LTV, 580 FICO at 96.5% LTV		77
Cash Out Refinance: 580 FICO at 80% LTV, Manual U/W: 600 FICO at 80% LTV		77
Max DTI per AUS		77
Manual Underwriting Allowed		77
No Min Credit History with AUS Approval		77
Blended Ratios with Non-occupant Co-borrower		77
W2 Only Available		77
One FICO Score Allowed		77
Min Loan Amount $75,000		77
Adjustable Rate Mortgage (ARMs) Option Available		77
Danijella Dragas		77
VA		78
ARE YOU MISSING OUT ON		78
OR		78
FHA		78
BUSINESS?		78
FHA		78
580 for purchases, cash-out refinances and refinances		78
550 rate/term and simple refinances		78
640 for all manufactured homes		78
VA		78
570 for purchases and full-doc refinances		78
580 fon non VA IRRRL		78
550 for VA IRRRL		78
640 for all manufactures homes		78
Danijella Dragas		78
www.thelendingcorporation.com		78
CONFORMING		79
LOAN PROGRAMS		79
Reliable, affordable financing that meets standard lending guidelines.		79
ASSET DEPLETION		80
LOANS		80
Barrow on your Wealth not your Income		80
Asset can be used as only income source		80
Minimum eligible remaining assets to be 100% of the loan amount plus reverses		80
Divide qualified remaining assets by 60 months for monthly income qualification		80
Assets can be combined with other income sources		80
Divide qualified remaining assets by 120 months for monthly income qualification		80
Danijella Dragas		80
ASSET DEPLETION PROGRAM		81
The Lending Corporation Asset Depletion program is perfect for retirees, self-employed borrowers, or anyone with strong liquid assets.		81
Qualify with assets alone or blend with full doc, bank statements, 1099s, or VOE.		81
Here’s how it works:		81
Qualify by Dividing Assets Over 60 Months		81
$300,000 in assets = $5,000/month qualifying income		81
Program Highlights:		81
Up to 90% LTV on Purchases		81
Up to 80% LTV on Cash-Out Refis		81
Assets only need to be seasoned 3 months		81
Owner-Occ, 2nd Home, or Investment OK		81
Minimum 660 FICO		81
Eligible Asset Types Include:		81
Checking/Savings		81
Stocks, Bonds, Mutual Funds		81
Vested Retirement Accounts		81
Money Market Fund		81
Let's close your real estate transaction with ease and an on-time close and fund.		81
Danijella Dragas		81
WRITTEN VERIFICATION OF EMPLOYMENT (WVOE)		82
HIGHLIGHTS		82
80% LTV PURCHASE, RATE & TERM REFINANCE		82
70% LTV FOR CASH OUT		82
WVOE COMPLETED BY BORROWER’S COMPANY		82
FIRST TIME HOME BUYER OK TO 70% LTV		82
MAX LOAN AMOUNT $4,000,000		82
MIN FICO 620		82
NO W2, 4506C, PAYSTUBS OR TAX RETURNS		82
REQUIREMENTS		82
TWO (2) MONTHS BANK STATEMENTS TO SUPPORT AFTER TAX INCOME		82
TWO-YEAR HISTORY OF EMPLOYMENT		82
Let's close your real estate transaction with ease and an on-time close and fund.		82
Danijella Dragas		82
STANDALONE		83
2ND MORTGAGE		83
Like a cash-out refinance, but you keep the low rate from your 1st mortgage		83
Unlimited cash-out for whatever you want, like home improvements		83
Loan amounts from $150K to $1MM		83
Qualify with 1 or 2 year bank statements or 1 or 2 year full income documentation		83
Let's close your real estate transaction with ease and an on-time close and fund.		83
Danijella Dragas		83
BANK STATEMENT HELOC		84
CLOSE MORE LOANS WITH THE LENDING CORPORATION		84
The Lending Corporation Bank Statement Home Equity Line of Credit (HELOC) is designed specifically for self-employed bank statement borrowers. This program enables self-employed borrowers to tap into their home’s equity while retaining their first mortgage. The HELOC is a revolving line of credit, and borrowers can borrow as little or as much of the approved credit limit needed during the draw period.		84
Credit Scores Starting at 660		84
Loan amounts up to $750,000		84
Revolving line of credit		84
Interest only payments during draw period		84
Loan terms from 15 to 25 years		84
Owner-occupied, second homes, and investment properties		84
Up to 90% CLTV		84
Full doc, personal or business bank statements		84
No restrictions on how funds can be used		84
Owner occupied program is not available in TX		84
Program only allowed on investment properties in TN		84
Let's close your real estate transaction with ease and an on-time close and fund.		84
Danijella Dragas		84
Unlimited Cash-In-Hand Refinance		85
Are You a Borrower Who Just Changed Employment From a W-2 Employee to Self-Employed 1099? And looking for a Residential Loan?		86
We Have Your Solution!		86
The Lending Corporation can Help!		86
No Minimum History As A 1099 Employee Required		86
No Expense Factor Applied		86
Simple, Full Doc Solution		86
Great Option for Medical Professionals or Anyone Who Recently Switched from W-2 Income and Does Not Incur Expenses		86
Let's close your real estate transaction with ease and an on-time close and fund.		86
Danijella Dragas		86
www.thelendingcorporation.com		86
VALUE PROPOSITION (CONVERSION ANGLE)		87
PRIVATE MONEY		88
LOAN PROGRAMS		88
Danijella Dragas		89
+1 949-400-5779 (Direct Line)		89
+1 917-456-9757 (Mortgage Assisstant)		89
ddragas@thelendingcorporation.com		89
www.thelendingcorporation.com		89
"Control risk, the returns will take care of themselves"		89
Personal NMLS#:1099405		89
Company NMLS#:2621251		89
THE LENDING CORPORATION NMLS 2621251		89
FIX AND FLIP		90
LOAN PROGRAMS		90
HAVE YOU EVER CONSIDERED THE POWER AND CONTROL OF HAVING YOUR OWN		91
IN-HOUSE LENDER?		91
We welcome the opportunity to partner with you as the builder’s in-house lender.		91
Please give me a call to discuss this exciting alliance and how it can transform your business!		91
CONTROL		91
REFERRALS		91
PRIORITY		91
INCENTIVES		91
RATE-LOCK PERIOD		91
UNDERSTANDING THE BUILDING PROCESS		91
Let’s talk about how this pivotal partnership can transform your business.		91
Danijella Dragas		91
UNLOCK MORE SALES WITH OUR		92
BUILDER BUYDOWN PROGRAM		92
At The Lending Corporation, we specialize in helping builders like you attract more buyers and close more deals with our proven buydown financing solutions.		92
WHY PARTNER WITH US?		92
Attract More Buyers		92
Increase Sales Volume		92
Enhance Affordability		92
Stand Out in the Market		92
Promote Buyer Confidence		92
Flexible Finance Options		92
Strengthen Market Strategies		92
Build Long-Term Lender Relationships		92
Let's work together to turn more prospects into homeowners and boost your bottom line!		92
Danijella Dragas		92
FIX & FLIP LOANS		93
FIX and RENT or BRRRR		93
12 to 24 month Term		93
80% Purchase + 100% Renovation		93
90% for Experienced Buyers		93
100% Financing Available		93
620 Min Credit Score		93
Loan Sizes $50k-$10M		93
Available for SFR, 1-4, 5+		93
Let's close your real estate transaction with ease and an on-time close and fund.		93
Danijella Dragas		93
NEW CONSTRUCTION		94
PROPERTY LOAN		94
Grow your investor business		94
Features:		94
Funding for ground-up and mid-construction projects.		94
Let's close your real estate transaction with ease and an on-time close and fund.		94
Danijella Dragas		94
100% Fix & Flip Premier		95
WHAT TO KNOW		95
Leveraging housing data to guide your 2025 efforts will be key to your profitable success. The Lending Corporation wants to be your long-term partner in financing properties that will deliver hefty profits to you. That's why we seek out information you can use to target markets where investment properties are available to purchase and likely to sell or be rented quickly. The Data Center from Redfin is a valuable and ongoing source of this information for metropolitan areas across the nation – even down to the zip code.		95
#2e4263		95
ACTIONS TO TAKE		95
Explore the relevant information at the link above, then contact The Lending Corporation experts after you secure a contract for a promising property; our team can capture the information needed for same-day approval. We just need your purchase agreement, statement of work, and bank statements from the past three months to get started.		95
BENEFITS TO GAIN		95
You can get same-day approval for our unique 100% Fix & Flip Premier Loan to fund the purchase and rehab of your investment property. We approve loans in a short time frame, with no income verification and no down payment, and then deliver your funding quickly – usually within five to 10 business days. Be sure to also ask about how you can receive discounts on the many building materials and supplies needed to complete your rehab or ground-up project.		95
Contact me for more details, and let's start closing deals in 2025!		95
Danijella Dragas		95
www.thelendingcorporation.com		95
CONSTRUCTION LOANS		96
LOAN GUIDELINES		96
DOCUMENTATION REQUIREMENTS		96
GET STARTED		96
GET FUNDED		96
Let's close your real estate transaction with ease and an on-time close and fund.		96
Danijella Dragas		96
ONE-TIME		97
CLOSED		97
CONSTRUCTION		97
DESIGNNED FOR INVESTORS!		97
How does it work?		97
A new investor-focused program that finances new construction base on the property’s future cash flow, not the buyer’s personal income.		97
Highlights		97
No personal tax returns pr W-2's nedeed		97
Financing up to $2 million		97
Down payment as low as 25% of the price of the home		97
Option with individual with lower credit (as low as 680 FICO)		97
Quality Based on Future Rents		97
Invesment Properties Olny		97
Short=term Rentals Allowed		97
Benefits		97
The first-ever construction to permanent loan investors that allows to quality without proof of income. Now homebuyers can build a future investment property from the ground up with one simple process!		97
Let's close your real estate transaction with ease and an on-time close and fund.		97
Danijella Dragas		97
FOREIGN NATIONALS		98
LOAN PROGRAMS		98
FOREIGN NATIONAL		99
NO CREDIT NO VISA NO RATIO NO SOURCING		99
Competitive Pricing		99
Up to 75% ltv (65% For True No Ratio)		99
No Credit		99
No Visa (only passport)		99
Funds can come from overseas		99
bank Account		99
No Sourcing of deposits		99
ACH Is required		99
6 months Reserves required		99
First Time Investor Eligible		99
with no restrictions!		99
No appraisal transfer letter or name changed required.		99
UW turn times in 24 hours		99
SFR's 1-4, Condos, Condotels		99
AIR DNA and STR eligible for DSCR!		99
Top Secret Hard Money Product case by case basis for CA, WA,FL, TX		99
(No Min Fico, No "box" for eligibility)		99
Anything Residential 1-4 that is a investment property SEND ME( 5+ Multifamily/ mixed use I will look at as well)		99
Let's close your real estate transaction with ease and an on-time close and fund.		99
Danijella Dragas		99
FOREIGN NATIONAL PROGRAM		100
GUIDELINES		100
Loan amounts up to $2.5M		100
Qualify using debt service coverage ratio (DSCR) with I/O Payment		100
No U.S credit score or FICO required		100
Up to 75% LTV for purchase/rate and term		100
Up to 70% LTV for cash-out		100
DSCR as low as .75 - qualify using property cash low		100
Asset seasoning 30 days minimum in a U.S. banking institution		100
Foreign assets permitted for reserves		100
Additional reserves are not required for any additional financed properties owned		100
Fixed and adjustable rate mortgages available		100
Interest only options available		100
INVEST IN U.S REAL ESTATE - NO CREDIT SCORE NEEDED		100
Buying or refinancing U.S. real estate as a Foreign National can be difficult with traditional financing. This program serves non U.S. citizen borrowers who want to buy or refinance an investment property. Borrowers can qualify based on the rental income of the property - credit scores are not required to quality.		100
IDEAL FOR:		100
Foreign Nationals living and working outside the U.S.		100
Investors purchasing or refinancing U.S rental property		100
Business purpose, non-owner occupied homes		100
Let's close your real estate transaction with ease and an on-time close and fund.		100
Danijella Dragas		100
FOREIGN NATIONALS ITIN FIX-AND-FLIP PROGRAM		101
HAVE YOU THOUGHT ABOUT A		101
FIX & FLIP PROJECTS?		101
THE LENDING CORPORATION CAN HELP WITH THAT!		101
Loan amounts up to $10MM		101
Minimum FICO 500		101
1-4 family eligible		101
First time investors, Foreign Nationals, and ITIN’s welcome		101
Rural properties acceptable		101
Accessory dwelling units allowed		101
Let's close your real estate transaction with ease and an on-time close and fund.		101
Danijella Dragas		101
FOREIGN NATIONAL LOAN PROGRAM		102
U.S. HOMES FOR INTERNATIONAL BUYERS		102
HOW IT WORKS?		102
PROGRAM HIGHLIGHTS		102
KEY BENEFITS		102
VALUE PROPOSITION		102
Let's close your real estate transaction with ease and an on-time close and fund.		102
Danijella Dragas		102
COMMERCIAL		103
LOAN PROGRAMS		103
Let's close your real estate transaction with ease and an on-time close and fund.		104
Danijella Dragas		104
+1 949-400-5779 (Direct Line)		104
+1 917-456-9757 (Mortgage Assisstant)		104
ddragas@thelendingcorporation.com		104
www.thelendingcorporation.com		104
"Control risk, the returns will take care of themselves"		104
Personal NMLS#:1099405		104
Company NMLS#:2621251		104
Let's close your real estate transaction with ease and an on-time close and fund.		105
Danijella Dragas		105
+1 949-400-5779 (Direct Line)		105
+1 917-456-9757 (Mortgage Assisstant)		105
ddragas@thelendingcorporation.com		105
www.thelendingcorporation.com		105
"Control risk, the returns will take care of themselves"		105
Personal NMLS#:1099405		105
Company NMLS#:2621251		105
We Finance		106
CONDO-TELS		106
LTVs up to 85%		106
Loan amounts up to $3.5M		106
500 sq ft. min, functioning kitchen		106
All occupancies		106
All loan programs including DSCR		106
Let's close your real estate transaction with ease and an on-time close and fund.		106
Danijella Dragas		106
MIXED-USE DSCR INVESTMENT FINANCING		107
2–8 Unit Properties | Investment Property		107
Program		107
Expand Your Investment Portfolio with Mixed-Use Properties		107
The DSCR Investment Program allows financing for mixed-use properties with residential and commercial components, creating opportunities for investors seeking diversified income streams.		107
Program Highlights		107
Mixed-Use Property Requirements		107
Minimum FICO: 680		107
Minimum Loan Amount: $400,000		107
Minimum DSCR: 1.10		107
Unit & Commercial Limits		107
2–3 Units		107
Maximum 1 commercial unit		107
Maximum 1 vacant unit		107
4–5 Units		107
Maximum 2 commercial units		107
Maximum 2 vacant units		107
6–8 Units		107
Maximum 3 commercial units		107
Maximum 2 vacant units		107
Ineligible Property Types		107
Rural or Agricultural Zoning		107
Manufactured Housing		107
Short-Term Rental Properties		107
Reserves Requirement		107
6 months minimum reserves		107
12 months reserves for Foreign Nationals		107
Important Program Notes		107
Gift Funds: Not allowed		107
Short-Term Rentals: Not eligible		107
Third-Party Management Fees must be deducted from gross income		107
Eligible Commercial Uses		107
Clothing Stores		107
Grocery Stores		107
Pharmacies		107
Restaurants		107
Salons & Barbershops		107
Home Goods / Furniture Stores		107
Electronics & Technology Stores		107
Office Spaces		107
Specialty Shops		107
Residential / Commercial Zoning Accepted		107
Let's close your real estate transaction with ease and an on-time close and fund.		107
Danijella Dragas		107
+1 949-400-5779 (Direct Line)		107
+1 917-456-9757 (Mortgage Assisstant)		107
ddragas@thelendingcorporation.com		107
www.thelendingcorporation.com		107
"Control risk, the returns will take care of themselves"		107
WORKING CAPITAL/		108
BUSINESS LINES OF CREDIT		108
A Bank Loan		109
without the Hassle		109
THE LENDING CORPORATION – BUSINESS BANK ON US		109
Get fast, flexible financing through our nationwide bank partners — no collateral, limited paperwork, and fixed, tax-deductible rates.		109
Fast, Hassle-Free Funding		109
Loans from $5,000 to $675,000 per location		109
No collateral required up to $750,000		109
Flexible terms up to 24 months		109
No tax returns or financials needed		109
Approvals in 48 hours		109
Funding in 3–5 business days		109
Payments not tied to credit card transactions		109
Early payoff options available		109
Working Capital Loans		109
Why Businesses Choose Us		109
Since 2017, The Lending Corporation has:		109
Partnered with FDIC-insured banks nationwide		109
Provided 17,000+ approvals and $900M+ in funding		109
Supported thousands of merchants with working capital & credit lines		109
Industries We Serve		109
Use Funding For		109
Restaurants		109
Bars		109
Retail		109
Grocery & Liquor Stores		109
Pharmacies		109
Healthcare		109
Automotive		109
Manufacturing		109
Salons & Spas		109
And more		109
Opening or expanding locations		109
Hiring staff		109
Equipment purchases		109
Inventory		109
Renovations		109
Marketing campaigns		109
Boost growth without giving up equity Lines of Credit		109
Access funds anytime; pay interest only on what you use Bridge Loans		109
Finance equipment, renovations, or new locations Flex Pay Loans		109
Defer principal for lower payments now		109
We also support businesses during: slow seasons, tax payments, cash-flow gaps, and unexpected challenges.		109
Let's close your real estate transaction with ease and an on-time close and fund.		109
Danijella Dragas		109
“One platform for every payment”		110
INDUSTRY CREDIBILITY		110
KEY FEATURES		110
Fraud Prevention		110
AP Automation		110
Vendor Onboarding		110
Flexible Payment Options		110
Card Rebates		110
Automated Approvals		110
KEY FEATURES		111
AI + OCR Invoice Processing		111
Procurement Automation		111
Vendor Onboarding		111
ERP Integrations		111
International Payments		111
TLC Complete Virtual Card		112
CORE BENEFITS		112
Monetize Vendor Payments		112
Expand Working Capital		112
Vendor Enrollment		112
Fraud Protection		112
Gain Payment Control		112
TLC CORPORATE CREDIT CARD FOR SENIOR LIVING		113
CORE BENEFITS		114
Fixed Cash Rebates		114
Flexible Credit Lines		114
No Pre-Funding		114
Unlimited Virtual & Ghost Cards		114
24/7 Industry Support		114
No Personal Liability		114
KEY FEATURES		115
Spending Controls		115
Monthly Rebates		115
Fraud Mitigation		115
ERP Integration		115
TLC CORPORATE CREDIT CARD FOR HOSPITALITY		116
PROFESSIONAL SERVICES		117
BUSINESS AND PERSONAL		117
Don’t Let a Legal		118
Matter Stand		118
Between You and		118
Your Dream Home		118
LegalShield is giving you Legal Protection for Home Buyers and Sellers.		118
With over 50 years in business, LegalShield is dedicated to creating a world where everyone can access and afford legal protection. For a low monthly fee, the LegalShield Preferred Legal Plan gives you the ability to talk to a provider law firm about the personal legal problems you face every day. And as a new home buyer or someone looking to sell your home, there are always legal questions and concerns that can appear during every step of the process.		118
As a LegalShield Preferred Legal Plan Member, you can ask your provider law firm about issues such as:		118
While we help protect your home and family, ask me about real estate financing options.		118
APPLY FOR		118
Danijella Dragas		118
AWARDS/		119
RECOGNITIONS		119
MEDIA AND		122
SPEAKING ENGAGEMENT		122
It was an honor to speak at the NAHREP Upper Manhattan Executive Power Panel — a gathering of professionals committed to creating lasting impact through real estate and finance.		123
At The Lending Corporation, we lead with integrity, transparency, and teamwork. Every transaction we handle represents more than numbers — it’s about people, families, and communities.		123
Whether guiding a first-time homebuyer, assisting a foreign national, or supporting a business owner, each successful close strengthens lives and neighborhoods.		123
As CEO, I take this responsibility seriously — to our clients, partners, and team. Our mission is to coach, mentor, and collaborate with transparency, always leaving each person stronger than before.		123
Grateful for the opportunity to share this message at NAHREP and continue driving growth, empowerment, and positive change — together.		123
It was an honor to speak at the NAHREP Upper Manhattan Executive Power Panel — a gathering of professionals committed to creating lasting impact through real estate and finance.		124
At The Lending Corporation, we lead with integrity, transparency, and teamwork. Every transaction we handle represents more than numbers — it’s about people, families, and communities.		124
As CEO, I take this responsibility seriously — to our clients, partners, and team. Our mission is to coach, mentor, and collaborate with transparency, always leaving each person stronger than before.		124
Grateful for the opportunity to share this message at NAHREP and continue driving growth, empowerment, and positive change — together.		124
CONNECT WITH US		125
Follow us on social media for exclusive content, behind-the-scenes of the finance world and more!		125
@danijella_dragas_official		125
@thelendingcorporation		125
ddragas@thelendingcorporation.com		125
+1 949 400-5779 (Direct Line)		125
+1 917 456-9757 (Mortgage Assisstant)		125
www.thelendingcorporation.com		125
Let’s collaborate on your next closing! Whether you need fast approvals, seamless communication, or co-marketing support, I’m here to help.		125
Let’s talk financing solutions today!		125

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