QM Products

CONVENTIONAL
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Maximum loan amount: $484,350 (or county maximum for high balance areas)
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Minimum credit score: 620
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DTI: 50% with AUS approval
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Minimum down payment: 3%

FHA
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Max Loan Amount: $484,350 to Max County Limits
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MAX DTI: 55%
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Down Payment: 3.5%
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Credit Score: 680 with approval

USDA
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Max Loan Amount: Determined by DTI
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DTI: 41% or higher if approved by GUS, maximum 50%
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Down Payment: None
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Credit Score: 680
Non-QM Products

ECOP
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LTVs: up to 90%
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Loan amounts: Between $100k -$1.5mm
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FICOs: down to 500
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DTI: up to 50%
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Unlimited number of financed properties
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Cash Out Options
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1 Year out of Bankruptcy
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1 Day out of Short sale/Foreclosure
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Can close as Corporation or LLC
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Non-Warrantable Condos Allowed

Income Express
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12 or 24-month personal bank
statements -
Loan Amounts:
Between $100k - $1.5mm -
LTVs: up to 90%
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FICOs: down to 580
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DTI: up to 43%
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Unlimited number of
financed properties -
Non-Warrantable Condos
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Cash Out Options
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Investment properties can
close as Corporation or
LLC

Foreign National
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LTVs up to 75% For Purchase or R/T
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LTVs up to 70% For Cash Out
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Second Home Or Investment Property
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Loan amounts: Between $100k -$1.5mm
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No FICO Score Required
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DTI up to 50% or No Ratio at DSCR ≥ 1.15
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2-4 Unit and Non-Warrantable Condos Allowed