Programs

Four programs. Senior support. No bait-and-switch matrices.

Each program has been documented, scenarios-tested, and supported by senior AEs. Effective dates and current matrices live in the partner portal.

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
- DSCR 0.750
- 1.5M - 85% Purchase
- 80% Cash-Out
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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
- Bank Statements - Blend with other income types
- 1099 Only — Treated as SE
- P&L Only — No Bank Statement Options
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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
- Full Suite of Income Use Options (Full & Alt-Doc)
- Up to 90% LTV No MI
- Loans from 150K - 4M
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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
- 5–9 residential units
- DSCR ≥ 1.150
- 30yr & 15yr Fixed, 10yr IO option
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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
- Mixed Use & Residential Mixed Use 2–8 Unit
- Commercial use: Retail / Office / Restaurant only
- Commercial space ≤ 50% of usable area
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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
- No Credit Report
- DSCR % ≥ 0.750
- Foreign Assets Accepted
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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
- Wrap 3–25 standalone properties into one note
- No Income, Employment, DTI
- Up to 2.5M cash in hand
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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
- ITIN Loans from $150K+
- Primary & Second Home
- 80% Purchase Money
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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
- DSCR ≥ 1.00x (fully amortizing)
- Loan amounts $75K – $500K
- 80% CLTV at 720 FICO (Rate/Term & Cash-Out)
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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
- Loan amounts $50K – $1,000,000
- Combined 1st + 2nd up to $5,000,000
- Primary, Second Home & Investment eligible
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