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
