Office Hallway

SUPER JUMBO (SJ)

$12 MM Max. Loan Amount
$1 MM Min. Loan Amount
Borrower-signed P&L and Balance Sheet
Stated Asset (No Asset Documentation)
SFR or Detached PUD only (No Condo)
No Cash-Out Limit ($12 MM Max. Loan Amount)
No Cash-Out Title Seasoning
Foreign National Allowed

HARD MONEY

H1 or H2

MIN FICO 620

MAX LTV 90% 

Term 6 mo. - 36 mo. Interest-only

2 mo. bank statements

3 mo. reserve only 

EASY DSCR (EZDSCR)

EzDSCR30 or EzDSCR56

MIN FICO 660

MAX LTV 75%

NO TRID documents

NO income & tax documents

1 mo. reserve / VOD / Bank cert.

MIN 3 mo. reserve

100% Gift allowed

Eligible for foreign national

ELITE VOE (EVOE)

EVOE30 or EVOE56

MIN FICO 660

MAX LTV 80%

NO tax document

VOE ONLY

1 mo. bank statement

MIN 4 mo. reserve

100% Gift allowed

ELITE P&L (EPNL)

EPNL30 or EPNL56

MIN FICO 660

MAX LTV 80% 

YTD P&L + CPA letter

1 mo. bank statement

MIN 4 mo. reserve

100% Gift allowed

ELITE DSCR (EDSCR)

EDSCR30 or EDSCR56

MIN FICO 680

MAX LTV 75%

NO TRID documents

NO income & tax documents

1 mo. reserve / VOD / Bank cert.

MIN 3 mo. reserve

100% Gift allowed

Eligible for foreign national

ELITE BANK STATEMENT 

B130 or B156

MIN FICO 660

MAX LTV 80% 

INCOME: 12 mo. bank statement

ASSET: 1 mo. bank statement

MIN 4 mo. reserve

100% Gift allowed

BORROWER SIGNED P&L(P1)

P151 or P171

NO tax return

MIN FICO 680

MAX LTV 70%

Borrower signed P&L + CPA letter

BIZ fund allowed for closing and reserve

100% Gift allowed

CPA SIGNED P&L (P2)

P251 or P271

NO tax return

MIN FICO 680

MAX LTV 70%

CPA signed P&L + CPA letter

BIZ fund allowed for closing and reserve

100% Gift allowed

PORTFOLIO VOE (P3)

P351 or P371

NO tax return

MIN FICO 680

MAX LTV 70%

VOE Only

100% Gift allowed

BUSINESS PURPOSE WMB PORTFOLIO (WP)

70 % Max LTV
Up to $5,000,000
Standard 1 Yr PPP (2%)
No Employment
No Income
No DSCR Restriction
Foriegn National Allowed
Non-warrantable Condo Allowed
Mixed-Use Allowed

PORTFOLIO SPECIAL (PS1)

PS176

MIN FICO 680

MAX LTV 70%

Borrower signed P&L or

CPA signed P&L or VOE

100% Gift allowed