Loan programs
Financing built around the deal — not the paperwork.
Five programs covering purchases, refinances, home equity and portfolios. Select a program for terms, qualifications and benefits.
DSCR Loans
Qualify on the property’s rent — not your tax returns.
Debt Service Coverage Ratio loans let you qualify using the rental income the property produces. No W-2s, no tax returns, no personal DTI calculation — ideal for investors who write off heavily or are scaling a portfolio.
Max LTV
80%
Min FICO
660
Loan Size
$100K–$3M
Min DSCR
0.75*
Program terms
- Loan amounts
- $100,000 – $3,000,000+
- Purchase LTV
- Up to 80%
- Cash-out LTV
- Up to 75%
- Terms
- 30-yr fixed, 40-yr, 5/6 & 7/6 ARM
- Interest-only
- Available (10-yr IO)
- Prepayment
- 0–5 yr options (buy-down pricing)
- Property types
- SFR, 2–4 units, condos, townhomes, 5–10 units
- Vesting
- Individual or LLC / corporation
Qualifications
- Minimum 660 FICO (higher leverage at 700+)
- DSCR of 1.0+ for best pricing — sub-1.0 and no-ratio options available
- Lease agreement or market rent appraisal (Form 1007)
- Short-term / Airbnb rentals eligible using 12-mo history or AirDNA
- 6 months PITIA reserves (cash-out proceeds may count)
- No personal income or employment verification
Bank Statement Loans
Self-employed? Your deposits tell the real story.
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. We calculate income from actual deposits — so aggressive write-offs don’t stop you from buying.
Max LTV
90%
Min FICO
620
Loan Size
Up to $3M
Statements
12 or 24 mo
Program terms
- Loan amounts
- $150,000 – $3,000,000
- Purchase LTV
- Up to 90%
- Cash-out LTV
- Up to 80%
- Terms
- 30-yr fixed, 40-yr IO, 7/6 ARM
- Occupancy
- Primary, second home, investment
- Income docs
- Bank statements, P&L-only, or 1099-only
- Expense factor
- Fixed 50% or CPA/third-party letter
- Property types
- SFR, 2–4 units, condos, PUDs
Qualifications
- 2 years of self-employment (same line of work)
- Minimum 620 FICO
- 12 or 24 consecutive months of statements
- Business verified via CPA letter, license, or filings
- Reserves: 3–12 months depending on loan size
- Debt-to-income up to 50%
Cash-Out Refinance
Turn rental equity into your next down payment.
Pull tax-free cash from the equity in your rental or commercial properties. Qualify on the property’s cash flow, keep the asset, and redeploy capital into your next acquisition, renovation, or business.
Max LTV
75%
Seasoning
3–6 mo
Loan Size
$100K–$5M
Use of Funds
Any
Program terms
- Loan amounts
- $100,000 – $5,000,000
- Cash-out LTV
- Up to 75% (1–4 units)
- Seasoning
- As little as 3 months on title
- Delayed financing
- Recoup cash purchases right away
- Terms
- 30-yr fixed, 40-yr IO, ARMs
- Portfolio / blanket
- Multiple properties, one loan
- Qualifying
- DSCR or bank statement
- Vesting
- Individual or LLC
Qualifications
- Minimum 660 FICO
- Property owned 3+ months (or delayed-financing eligible)
- Current rent roll / leases
- No mortgage lates in the last 12 months
- Reserves may be met with cash-out proceeds
- Title held in borrower or borrower’s entity
Home Equity Investment (HEI)
Cash from your home equity — with no monthly payment.
Our Home Equity Investment program allows homeowners to access $50,000 to $600,000 in cash without adding a monthly payment. Homeowners with credit scores as low as 500 may qualify, with up to 75% combined loan-to-value available depending on credit score, occupancy, and lien position. Unlike a traditional loan, there are no monthly principal or interest payments, and homeowners retain ownership of their property. In exchange, an agreed percentage of the home’s future value is paid when the homeowner sells, refinances, or buys out the investment, subject to a contractual Safety Cap.
Cash Available
$50K–$600K
Min FICO
500
Max CLTV
75%
Monthly Payment
$0
Program terms
- Funding amount
- $50,000 – $600,000
- Max combined LTV
- Up to 75%
- CLTV based on
- Credit score, occupancy & lien position
- Monthly payments
- None — no principal or interest
- Ownership
- You keep ownership of your home
- Repayment
- Agreed % of future home value
- Settlement events
- Sale, refinance, or buyout
- Cost protection
- Contractual Safety Cap
Qualifications
- Credit scores as low as 500
- Sufficient equity — up to 75% combined LTV
- Final CLTV depends on credit score, occupancy and lien position
- Homeowner on title
- Standard property valuation and title review
Commercial & Multifamily
Financing for 5+ units, mixed-use and commercial assets.
Long-term financing for multifamily, mixed-use, retail, office, industrial and self-storage properties. Underwritten on property net operating income with flexible documentation for experienced and emerging sponsors.
Max LTV
75%
Min DSCR
1.20x
Loan Size
$250K–$10M
Amortization
25–30 yr
Program terms
- Loan amounts
- $250,000 – $10,000,000
- Purchase LTV
- Up to 75%
- Cash-out LTV
- Up to 70%
- Terms
- 5, 7, 10-yr fixed; 25–30-yr amortization
- Property types
- 5+ unit multifamily, mixed-use, retail, office, industrial, self-storage
- Recourse
- Full and limited-recourse options
- Prepayment
- Step-down or yield maintenance
- Vesting
- LLC / LP / corporation
Qualifications
- Minimum 1.20x DSCR on in-place NOI
- Minimum 660 FICO for guarantors
- Trailing-12 operating statement & current rent roll
- Sponsor experience & real estate schedule
- Environmental (Phase I) and commercial appraisal
- Liquidity of 9–12 months debt service
*Illustrative program parameters. Sub-1.0 DSCR subject to additional requirements. Actual terms depend on credit, property, and market conditions and are subject to change.
Side by side
Compare programs at a glance
| Program | DSCR | Bank Statement | Cash-Out Refi | HEI | Commercial |
|---|---|---|---|---|---|
| Qualify with | Property rent | Bank statements | Rent or statements | Home equity | Property NOI |
| Max leverage | 80% LTV | 90% LTV | 75% LTV | 75% CLTV | 75% LTV |
| Min FICO | 660 | 620 | 660 | 500 | 660 |
| Monthly payment | P&I or IO | P&I or IO | P&I or IO | None | P&I |
| Amount | $100K–$3M | Up to $3M | $100K–$5M | $50K–$600K | $250K–$10M |
| LLC vesting | Yes | Investment only | Yes | — | Required |
FAQ
Common questions
Not sure which program fits?
Tell us about your property and goals — we’ll match you to the right loan in one call.