Bank Statements Programs
Non Prime
Non Prime – Bank Statement
Solutions for borrowers with recent credit events
Max LTV
70%
Min FICO
620
Credit Events
1 Day Out BK
Doc Type
12/24 Mo BS
BK discharge as recent as 1 day — close deals others can't
Elite Plus
Elite Plus – Bank Statement
Best pricing for qualified self-employed borrowers
Max LTV
90%
Min FICO
660
Max Loan
$3.0M
Doc Type
12/24 Mo BS
Best-in-class rates for strong credit profiles
Elite
Elite – Bank Statement
Flexible guidelines with higher loan amounts
Max LTV
90%
Min FICO
660
Max Loan
$4.0M
Doc Type
12/24 Mo BS
Up to $4M with expanded guidelines
Super Jumbo
Super Jumbo – Bank Statement
High-balance financing for luxury properties
Max LTV
65%
Min FICO
700
Max Loan
$5.0M
Doc Type
12/24 Mo BS
Loan amounts up to $5M for high-value transactions
Profit & Loss Programs
Elite Plus
Elite Plus – P&L Only
No bank statements required — CPA-prepared P&L only
Max LTV
80%
Min FICO
680
Doc Type
P&L Only
Max Loan
$2.5M
Simplest documentation — just a CPA-prepared P&L
Elite
Elite – P&L Only
Any CPA, EA, or CTEC can prepare — even one who didn't prepare the borrower's taxes
Max LTV
80%
Min FICO
660
Doc Type
P&L Only
Max Loan
$2.5M
Flexible preparer requirements — any licensed CPA, EA, or CTEC
Elite
Elite – P&L with 2 Month BS
P&L supported by 2 months of bank statements
Max LTV
80%
Min FICO
660
Doc Type
P&L + 2 Mo BS
Max Loan
$2.5M
P&L with 2 months bank statement support — any CPA/EA/CTEC can prepare
DSCR Programs
Elite
Elite – DSCR
Expanded DSCR guidelines for more flexibility
Max LTV
85%
Min FICO
640
Max Loan
$3.5M
Min DSCR
≥ 0.75x
Up to 85% LTV with DSCR as low as 0.75x
Foreign National
Foreign National – DSCR
US investment property for non-US citizens
Max LTV
75%
FICO
No Req
Max Loan
$2.5M
Min DSCR
≥ 0.75x
No FICO required — up to $2.5M for foreign investors
Elite Plus
Elite Plus – DSCR
Best DSCR pricing for strong credit investors
Max LTV
80%
Min FICO
700
Max Loan
$2.0M
Min DSCR
≥ 1.00x
Premium rates for experienced investors with strong DSCR
ITIN Programs
ITIN
ITIN – Full Doc
Full documentation for ITIN borrowers
Max LTV
89%
FICO
No Req
Max Loan
$1.5M
Doc Type
Full Doc
No FICO score required — up to 89% LTV
ITIN
ITIN – Bank Statement
Bank statement program for ITIN borrowers
Max LTV
85%
FICO
No Req
Max Loan
$1.5M
Doc Type
12/24 Mo BS
Self-employed ITIN borrowers with bank statement income
ITIN
ITIN – DSCR
Investment property DSCR for ITIN borrowers
Max LTV
65%
Min FICO
680
Max Loan
$750K
Min DSCR
≥ 0.75x
Investment property financing for ITIN holders
Second Lien (HELOAN) Programs
CES
CES – Bank Statement
Bank statement second lien for self-employed
Max CLTV
85%
Min FICO
640
Max Loan
$750K
Doc Type
12/24 Mo BS
Self-employed borrowers can access equity with bank statements
CES
CES – P&L Only
P&L-based second lien financing
Max CLTV
80%
Min FICO
660
Max Loan
$750K
Doc Type
P&L Only
Simplest CES documentation — CPA P&L statement only
CES
CES – Full Doc
Full documentation closed-end second
Max CLTV
90%
Min FICO
640
Max Loan
$1.0M
Doc Type
Full Doc
Up to 90% CLTV — keep the borrower's low first mortgage rate
Alternative Income Programs
Elite
Elite – Asset Utilization
Qualify using liquid assets over 60 months
Max LTV
80%
Min FICO
660
Qualification
60 Month
Max Loan
$2.5M
Ideal for retirees, high-net-worth borrowers, and investors
Elite
Elite – WVOE
Written Verification of Employment
Max LTV
80%
Min FICO
660
Doc Type
Written VOE
Max Loan
$2.5M
Simple employer verification — no tax returns needed
Elite
Elite – 1-Year 1099
Qualify with just 1 year of 1099 income
Max LTV
90%
Min FICO
660
Doc Type
1YR 1099 Only
Max Loan
$4.0M
Perfect for independent contractors and gig workers
Full Doc Programs
Elite
Elite – Full Doc
Expanded guidelines with higher loan amounts
Max LTV
90%
Min FICO
660
Max Loan
$4.0M
Doc Type
Full Doc
Up to $4M with competitive Elite tier pricing
Super Jumbo
Super Jumbo – Full Doc
High-balance financing up to $5M
Max LTV
65%
Min FICO
700
Max Loan
$5.0M
Doc Type
Full Doc
Premium financing for high-value property transactions
Non Prime
Non Prime – Full Doc
Full doc with recent credit events allowed
Max LTV
70%
Min FICO
620
Credit Events
1 Day Out BK
Doc Type
Full Doc
W-2 borrowers with recent BK, foreclosure, or short sale
Elite Plus
Elite Plus – Full Doc
Top-tier pricing for W-2 borrowers
Max LTV
90%
Min FICO
660
Max Loan
$3.0M
Doc Type
Full Doc
Best rates for traditional W-2 borrowers up to 90% LTV
