Guidelines

Live program matrices, straight from the partner portal.

Current guideline matrices for every flagship program live in the partner portal — kept in lock-step with what underwriting actually uses on every file.

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Wealth Builder DSCR

TOTAL DSCR V - The Full Stack Investor Program

TOTAL DSCR V - The Full Stack Investor Program — Investors using rental income only, No-hassle DSCR transactions

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STR Loans

Short-Term Rental DSCR

Short-Term Rental DSCR — Short-term rental investors qualifying on property cash flow

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Self Employed Experts

Full Suite of Income Use Options (Full & Alt-Doc)

Full Suite of Income Use Options (Full & Alt-Doc) — Self-employed borrowers who can't qualify on tax returns

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Hybrid Investor Loan

DSCR - Full Stack

DSCR - Full Stack — Investors using rental income only, No-hassle DSCR transactions

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Prime Time Non-Agency

Built for brokers who want it all in one spot.

Built for brokers who want it all in one spot. — Borrowers outside agency guidelines who still need flexible terms

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Multi-Fam 5-9 Units

Small-Balance Multifamily DSCR ≥ 1.150

Small-Balance Multifamily DSCR ≥ 1.150 — Small multifamily investors acquiring 5–9 residential units

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Mixed Use 2-8 Units

Properties with Commercial use spaces

Properties with Commercial use spaces — Investors acquiring 2–8 unit mixed-use properties

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Foreign National

Qualify off Rental Property Cash-Flow Only.

Qualify off Rental Property Cash-Flow Only. — International Clients looking to build wealth in the United States

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SoloNote

Investor Blanket Loan - Wrap Multiple Properties into SoloNote

Investor Blanket Loan - Wrap Multiple Properties into SoloNote — Investors consolidating 3–25 properties into a single SoloNote to stack equity and build wealth

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ITIN Loans

Total ITIN — Full Doc & Alt Doc

Total ITIN — Full Doc & Alt Doc — ITIN borrowers buying or refinancing primary or second homes

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Investor DSCR 2nd Mtg.

Investor Cash-Flow Qualify - Closed End Second Mortgage

Investor Cash-Flow Qualify - Closed End Second Mortgage — Investors tapping trapped equity behind an existing first lien with a DSCR-qualified 2nd

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Non-Agency 2nd Mtg.

Bank Statements, P&L Only - Closed End Second Mortgage

Bank Statements, P&L Only - Closed End Second Mortgage — Borrowers tapping equity behind a low-rate 1st with income-qualifying full doc or alt-doc 2nd lien

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