We focus on niche mortgage programs to help some borrowers who are self-employed or have an unusual way of disclosing their income. From high DTI allowances to investment property financing, these programs expand what’s possible.
Aggressive Pricing on Investment Properties and Second Homes
One of the biggest opportunities right now is in conventional financing for investment properties and second homes. For investors and second-home buyers, this creates a strong entry point into competitive markets while maintaining favorable loan terms.
- Highly competitive pricing
- Expanded approval flexibility
- Programs starting at a minimum 680 FICO score
- $150,000 minimum loan amounts
Full Doc Non-QM with Up to 55% DTI
Conventional guidelines often cap borrowers at lower debt-to-income ratios, but not all borrowers fit that mold. With our Full Documentation Non-QM programs in Florida.
- Up to 55% DTI
This is a major advantage for:
- High-income professionals with complex debt structures
- Self-employed borrowers
- Buyers in high-cost markets
DSCR Loans with Ratios Down to 0.75
For real estate investors, DSCR loans continue to be one of the most powerful tools available.
We now offer:
- DSCR ratios down to 0.75
This means:
- You can qualify even if the property’s income is slightly below the mortgage payment
- Greater flexibility in competitive or transitional rental markets
- More opportunities to expand your portfolio
Condos and Co-Ops Welcome
Many lenders avoid or restrict certain property types, but our niche programs are designed to accommodate them.
We offer financing for:
- Condominiums
- Co-ops
This opens doors in markets like New York and other urban areas where these property types dominate.
ARM Programs That Help You Qualify
Adjustable-rate mortgages (ARMs) are making a strong comeback, and for good reason.
Our aggressively priced ARM programs can:
- Lower initial monthly payments
- Improve borrower qualification
- Provide flexibility for short- to mid-term ownership strategies
Jumbo Financing Up to $3.5 Million
High-value borrowers need financing that matches their goals. Our Jumbo Non-QM programs offer:
- Loan amounts up to $3.5 million
- Flexible qualification options
- Solutions for complex income scenarios
Contact us for more information.
