No Ratio Primary Residence
No Ratio Primary Residence
Our No Ratio mortgage program for owner-occupied properties is one of our more popular loan programs. This creative solution allows borrowers to qualify using eligible assets, including 100% of 401Ks and 50% of Bitcoin, with loan amounts reaching up to $4M—including cash-out refinances. We offer competitive LTV options, including up to 90% (with no mortgage insurance), 85% for investment properties, and 75-80% for non-warrantable condos and condotels.
- Eligible Assets: Includes 100% of 401Ks and 50% of Bitcoin
- High LTV Options: Up to 90% LTV (no mortgage insurance required)
- Large Loan Amounts: Loans up to $4M, including cash-out refinances
- Flexible Property Types: Accepts unique properties, such as SFRs with multiple ADUs or unpermitted additions
- Investment Properties: Up to 85% LTV
- Condos & Condotels: Non-warrantable condos up to 80% LTV; condotels up to 75% LTV
- Credit Requirements: Minimum 620 FICO score
- Gift Funds Allowed: Permitted for down payment or closing costs
- Trust Assets: Irrevocable trust assets eligible
- LLC Vesting: No additional LLPAs for LLC-owned properties
The program accommodates unique property types, such as single-family homes with multiple ADUs or unpermitted additions, and accepts gift funds, irrevocable trust assets, and LLC ownership without LLPAs. With a minimum FICO score of just 620, this loan provides a simplified path to financing for investors and high-net-worth borrowers seeking speed and convenience.
