32 programas para los compradores que otros lenders rechazan.
El catálogo completo de financiamiento para profesionales de bienes raíces. Encuentra el programa en segundos, revisa los perfiles completos — o llévate el PDF.
For professionals entering the U.S. on a work visa or other employment authorization — and for U.S. citizens living and working abroad buying a home back in the U.S. An offer letter alone starts the pre-approval. No U.S. credit history required.
Max LTVUp to 80%
CreditNo U.S. Credit
Loan AmountUp to $5MM
Offer Letter Pre-ApprovalNo U.S. CreditUp to $5MMAll 50 States
Ideal para
Professionals entering the U.S. with a valid work visa or employment authorization
U.S. citizens living and working abroad buying a second home in the U.S.
First U.S. home purchases with no U.S. credit history
Buyers using foreign assets for the down payment and reserves
Puntos clave
Pre-approval with an offer letter alone — first pay stub required at funding
No U.S. or foreign credit reports, no foreign VOR/VOM, no alternate trade-lines
Loan amounts up to $5MM
80% LTV up to $2MM on SFR — condo, condotel and co-op at standard LTVs, no expatriate reductions
Foreign assets count for down payment and reserves; gift funds and gift of equity allowed
Requisitos
Valid work visa or other employment authorizationSSN required by the closing dateU.S. citizens abroad: second home, up to 70% LTVU.S. citizens with a foreign employer: exception basis, with U.S. tax returns showing the foreign income
International Buyer · 02/32
ITIN
For borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number — with the full range of occupancy and income documentation options.
Max LTVLTV to 85%
CreditFICO 640+
Loan AmountUp to $2.5M
Up to $2.5MLTV to 85%FICO 640+All Occupancies
Ideal para
Borrowers who file U.S. taxes with an ITIN — no Social Security number
Self-employed ITIN earners
W-2 and 1099 workers paid under an ITIN
Primary residence, second home and investment purchases
Puntos clave
Loan amounts up to $2,500,000
LTV up to 85%
FICO down to 640
All occupancies — primary, second home and investment
Full range of income documentation: bank statements, 1099, WVOE, P&L, DSCR and asset-based programs
No Social Security number required — your ITIN is enough
Requisitos
Valid Individual Taxpayer Identification Number (ITIN)U.S. tax filings under the ITINIncome documented via bank statements, 1099, WVOE, P&L, DSCR or assetsCredit scores down to 640
International Buyer · 03/32
Foreign National
Tailored to the unique challenges foreign nationals face financing U.S. property — expert handling of credit and asset verification so loans fund on time, with minimum hassle.
Max LTVLTV up to 75%
CreditForeign Credit OK
Cash-OutUp to $500K
No US CreditNo Tax Returns1–4 UnitsLTV up to 75%
Ideal para
International investors buying U.S. property
Buyers without a U.S. credit history
Investment property purchases (1–4 units)
A wide range of visa types
Puntos clave
Available for investment properties — 1–4 units
No tax returns required
Income letter from employer or CPA accepted — or qualify on Investor Cash Flow (DSCR)
Foreign credit report allowed
LTV up to 75% — Purchase and Rate/Term Refi
LTV up to 70% — Cash-Out Refi
Cash out up to $500,000
Cash-out may count toward reserves for LTV up to 60%
Competitive rates and unsurpassed funding times
Requisitos
Foreign national buyer (various visa types accepted)Income verification letter from employer or CPA — or DSCR cash flowForeign credit report allowedInvestment property, 1–4 units
International Buyer · 04/32
Foreign Income
Buy U.S. property qualifying with income earned abroad — no FICO required.
Max LTV90% LTV
CreditNo FICO
Loan AmountUp to $3M
Foreign IncomeNo FICO90% LTVUp to $3MSecond Homes
Ideal para
International buyers whose income is earned outside the U.S.
Second-home purchases in the U.S.
Buyers without a U.S. credit score
Buyers with assets in the U.S. and Canada
Puntos clave
Financing up to $3 million
Only 90% LTV
No FICO required
Available for second homes
Asset Utilization allowed with assets in the U.S. and Canada
Requisitos
Letter from a foreign CPA or employer covering the last 2 years and YTD incomeBank Reference LetterProgram guidelines apply
Self-Employed · 05/32
Bank Statement
Qualify with 12–24 months of bank deposits — no tax returns.
Max LTV90% LTV
CreditFICO 620+
Docs12–24 Mo Statements
Self-EmployedNo Tax Returns90% LTVFICO 620+
Ideal para
Self-employed business owners
Entrepreneurs with heavy write-offs
Gig economy / high-income freelancers
Puntos clave
12 or 24 months personal/business statements
No tax returns required
Primary or investment property
10–80% LTV depending on occupancy
Competitive rates for strong profiles
Requisitos
Min FICO: 62090% LTV primary / 20% investmentConsistent deposit history requiredBusiness license or CPA letter may be needed
Self-Employed · 06/32
P&L Only
Qualify with a professionally prepared Profit & Loss statement — a clearer way to document business income when bank deposits don’t tell the whole story.
Cash-OutUnlimited
DocsCPA P&L Only
Loan AmountUp to $3M
Up to $3MUnlimited Cash-OutCPA P&LNo Bank Statements
Ideal para
Self-employed borrowers whose deposits don’t reflect their real income
Business owners who want a simpler file — no months of statements to collect
Borrowers who need unlimited cash-in-hand
Entrepreneurs with strong but complex business income
Puntos clave
Loans up to $3M
UNLIMITED cash-in-hand
CPA, EA, CTEC and PTIN prepared statements accepted
Strong option when bank statement deposits don’t reflect the borrower’s income
Less time spent collecting months of statements
A clearer way to document business income
Requisitos
P&L prepared by a CPA, EA, CTEC or PTIN professionalSelf-employed / business incomeStandard credit and property guidelines apply
Self-Employed · 07/32
1099 Only
Qualify with 90% of your 1099 income — no tax returns, no bank statements, no business license required.
Max LTV85% LTV
CreditFICO 620+
Loan AmountUp to $3M
90% of 1099No Tax ReturnsUp to $3MFICO 620+85% LTV
Ideal para
1099 contractors and independent professionals
Gig workers and commission earners
Borrowers whose earnings show clearly on 1099s
Primary homes, second homes and investments
Puntos clave
Use 90% of your 1099 income — from one or two years
No tax returns, bank statements or business license required
YTD income supported by checks or CPA-prepared statements
Eligible for primary homes, second homes and investment properties
Max loan amount up to $3 million
FICO as low as 620 · up to 85% LTV
Requisitos
1099 income from one or two yearsYear-to-date support: checks or a CPA-prepared statementFICO 620+Standard property guidelines apply
Self-Employed · 08/32
WVOE Only
With just a written verification of employment, financing gets simple — no tax returns needed.
Max LTV80% LTV
CreditFICO 680+
Loan AmountUp to $2MM
No Tax ReturnsUp to $2MM80% LTVFICO 680+DTI to 50%
Ideal para
W-2 earners who want a simpler file
First-time home buyers
Primary residence, second homes and investment properties
Buyers with unique property types
Puntos clave
Loan amounts up to $2MM (higher with compensating factors)
Up to 80% LTV
Primary residence, second homes and investment properties
FICO down to 680
Maximum 50% DTI
Mixed-use, non-warrantable condos / condotels and manufactured homes permitted
First-time home buyers are eligible
Additional income sources can count toward the debt ratio calculation
Requisitos
Written verification of employment (WVOE)Same employer for the last two yearsFICO 680+No tax returns required
Investor · 09/32
DSCR
Qualify on rental income — not your personal income.
Max LTV85% LTV
CreditFICO 620+
Qualify OnRental Income
No Income DocsFICO 620+LLC OKSTR Eligible85% LTV
Ideal para
Real estate investors
Self-employed / business owners
Portfolio builders scaling fast
Puntos clave
No personal income required
Qualify on property cash flow
DSCR 1.0+ typically required
Short-term rental income eligible
LLC vesting allowed
Requisitos
Min FICO: 620Min 85% LTVDSCR 1.00+ (Rent / PITI)No DTI calculation neededReserves typically required
Investor · 10/32
Equity First DSCR
When equity outweighs a perfect credit profile — no FICO, no DSCR calculation. Built to rescue transactions other programs cannot close.
Max LTV55% CLTV
CreditNo FICO
Loan AmountUp to $1.5M
No FICONo DSCR Calc55% CLTVUp to $1.5MITIN OK
Ideal para
Investors with strong equity and recent credit events
Rescuing transactions other programs declined
Foreign Nationals and ITIN borrowers
First-time homebuyers investing in 1–4 units
Puntos clave
1–4 unit properties
NO FICO required · NO DSCR calculation
Loan amounts up to $1.5 million
Up to 55% CLTV
Bankruptcy accepted from just 1 day after discharge
Mortgage lates can be considered
No reserve requirement
100% gift funds allowed
Transferred appraisals accepted
Requisitos
Sufficient equity — max 55% CLTV1–4 unit propertyProgram guidelines, documentation and final approval apply
Investor · 11/32
1031 Exchange Bridge
Swap one investment property for another with no immediate capital gains taxes — and use our Bridge Loan to tap the equity of the original property to buy the replacement.
Bridge PaymentsDeferred
ExchangeForward & Reverse
Funded ByOriginal Equity
Tax-DeferredBuy Before You SellNo Monthly PaymentsReverse 1031
Ideal para
Investors deferring capital gains via a 1031 exchange
Reverse 1031 exchanges — buy the replacement BEFORE you sell
Investors who can’t risk losing a replacement property
Portfolio builders optimizing their real estate holdings
Puntos clave
Push forward with the replacement purchase without waiting to sell the original
Never miss an opportunity that won’t stay on the market for long
Keep collecting rent on the original property — NO monthly payments on the bridge financing
Time to improve the original property so it sells at the best possible price
The bridge taps the equity of the original property to fund the replacement
Requisitos
Investment properties on both sides of the exchangeReverse exchange follows the same identification and exchange periods as a traditional 1031Qualified intermediary / exchange structure in placeEquity in the original property to support the bridge
Home Equity · 12/32
HELOC
Tap your home equity as a flexible revolving credit line.
CLTV80–90%
CreditFICO 620+
StructureRevolving Line
Home EquityRevolving CreditVariable RateFICO 620+
Ideal para
Existing homeowners with equity
Home improvement projects
Debt consolidation or investment capital
Puntos clave
Access up to 80–90% CLTV
Revolving credit — draw as needed
Interest-only draw period typical
Variable rate (prime-based)
Interest may be tax-deductible (consult CPA)
Requisitos
Min FICO: 620–680 typicalSufficient home equity (20%+ remaining)Verifiable income documentationPrimary or second homeFull appraisal typically required
Home Equity · 13/32
Second Mortgage
Access up to $1,000,000 in equity WITHOUT refinancing — retain your low-rate first mortgage.
CLTVUp to 90%
Your 1st RateUntouched
Loan AmountUp to $1M
Up to $1MKeep 1st Rate90% CLTVFixed 10–30 Yr
Ideal para
Homeowners who locked a low first-mortgage rate
Primary homes, second homes and investment properties
Self-employed borrowers (Bank Statement or P&L only)
Investors qualifying on cash flow (DSCR)
Puntos clave
Access up to $1,000,000 in equity
NO refinancing — keep your low-rate first mortgage
Fixed-rate options: 10, 15, 20 or 30 years
Up to 90% combined loan-to-value (CLTV)
Documentation options: Full Doc, Bank Statement, P&L only, and DSCR
No HELOC-style draw period — a straightforward loan with a consistent repayment plan
Requisitos
Sufficient equity (up to 90% CLTV)Primary, second home or investment propertyDocumentation: Full Doc, Bank Statement, P&L or DSCRStandard credit guidelines apply
Specialty · 14/32
Asset Depletion
Great credit but no steady monthly income? Use your assets to qualify — our 60-month Asset Qualifier essentially DOUBLES your qualifying income vs. classic asset depletion.
Max LTVUp to 80% LTV
CreditFICO 660+
DTIUp to 50%
÷60 or ÷120FICO 660+DTI to 50%No Age MinimumCombine Accounts
Ideal para
Borrowers with great credit but no steady monthly income
Retirees with savings but limited income
High-net-worth buyers
Self-employed with strong asset positions
Primary residence and second home buyers
Puntos clave
Asset Qualifier: qualifying income = qualified assets ÷ 60 (5-year draw — double the income)
Asset Depletion: qualifying income = qualified assets ÷ 120
No disbursement plans needed · no minimum age requirement
Combine as many accounts as you want
Layer it behind other qualifying income to help qualify
Requisitos
Must be a personal liquid asset (checking, savings, money market, investment or retirement accounts)Credit scores as low as 660DTI as high as 50%Primary & Second Home: up to 80% LTV Purchase · up to 75% Rate & TermCash-Out Refi: up to 75% (primary) · up to 70% (second homes)Recent account statements to document balances
Specialty · 15/32
Doctor Loan
Homeownership tailored for medical professionals — bypassing hurdles like student loan debt and limited down payment savings, with up to 100% financing and NO mortgage insurance.
Max LTV100% LTV
CreditFICO 680+
Loan AmountUp to $2M
100% LTVNo MIUp to $2MFICO 680+DTI to 50%
Ideal para
Medical doctors, dentists and eligible healthcare providers
Residents, fellows and interns with a qualifying degree
High-earning professionals early in their careers
Buyers with student debt or limited down payment savings
Puntos clave
Up to 100% financing (LTV from 90.01% to 100%)
NO mortgage insurance required
Loan amounts up to $2M
FICO 680+
DTI up to 50% (45% on ARMs, 15-year terms, or LTV above 95%)
Residents, fellows and interns are eligible
Requisitos
At least one borrower with an eligible designation: MD, DO, DDS, DMD, Ophthalmology (MD/DO), Psychiatry (MD/DO), PharmD, DVM / VMD, DPM, or CRNA (DNAP / DNP)Primary residence onlyNon-occupant co-borrowers: up to 50% of total qualifying incomeFICO 680+
Specialty · 16/32
Acreage & Hobby Farms
Financing for single-family homes on large acreage, hobby farms and unique properties — with NO maximum acreage limit.
Max LTVUp to 75%
AcreageNo Limit
PropertyHobby Farms OK
No Acre LimitHobby Farms75% LTVPurchase / Refi
Ideal para
Homes on 10+ acres
Hobby farms with some agricultural activity
Unique or hard-to-comp properties
Purchase or refinance
Puntos clave
No maximum acreage
10–20 acres: up to 75% LTV with strong comparables
20 acres or more: up to 70% LTV
Hobby farms allowed — farm income may exist, but is not used to qualify
Unique properties considered case-by-case up to 70% LTV
Requisitos
Property must include a single-family residenceThe 75% LTV tier requires 3 comparable sales within 5 miles, sold in the prior 6 months (otherwise up to 70%)Final terms depend on the appraisal, property characteristics, marketability and borrower profile
Agency · 17/32
Conventional
The standard for well-qualified buyers with solid credit.
Max LTV95% LTV
CreditFICO 620+
Loan AmountUp to $806,500
W-2 Income95% LTVFICO 620+Primary / Invest
Ideal para
Buyers with 620+ FICO
5–80% LTV available
Primary, second home, or investment
Puntos clave
Low down payment options
No upfront MI fee
PMI removable at 20% equity
Loan limits up to $806,500
Fixed or adjustable rate options
Requisitos
Min FICO: 620Max back-end DTI: 49.9%2-year employment historyFull income documentation
Agency · 18/32
FHA
Government-backed flexibility for first-time buyers.
Max LTV96.5% LTV
CreditFICO 580+
OccupancyPrimary Residence
96.5% LTVFICO 580+First-Time OKGift Funds OK
Ideal para
First-time homebuyers
Buyers with 580–619 FICO
Limited down payment available
Puntos clave
Low down payment options
More flexible credit standards
Higher DTI tolerance
Seller concessions up to 6%
Gift funds 100% allowed
Requisitos
Min FICO: 580 (96.5% LTV) / 500 (90% LTV)Max back-end DTI: ~56.9%Primary residence onlyMIP for life of loan if under 90% LTV
Agency · 19/32
VA
100% LTV payment — exclusively for those who served.
Max LTV100% LTV
CreditFICO 620+
Loan AmountNo Max — Entitlement
100% LTVNo PMIVeterans OnlyFICO 620+
Ideal para
Active duty military
Veterans and reservists
Eligible surviving spouses
Puntos clave
100% LTV
No PMI — ever
Competitive below-market rates
No max loan amount (subject to entitlement)
Seller can pay all closing costs
Requisitos
VA Certificate of Eligibility (COE)Min FICO: 620 (lender overlay)Primary residence onlyVA Funding Fee (waived for 10%+ disability)Property must meet VA MPRs
Property in USDA-eligible zoneHousehold income 115% of area median or lessMin FICO: 640 typicalPrimary residence onlyMax DTI ~41–44%
Agency · 21/32
Jumbo
Premium financing above conventional loan limits.
Max LTV90% LTV
CreditFICO 700+
Loan AmountAbove $806,500
High BalanceFICO 700+Luxury90% LTV
Ideal para
Luxury home buyers
High-income professionals
Properties above $806,500
Puntos clave
Loan amounts above $806,500
Competitive rates for strong profiles
Fixed and ARM options available
Primary, second home, or investment
10–80% LTV typical
Requisitos
Min FICO: 700+ typicalStrong reserves (6–12 months)Full income documentationMax DTI ~43–45%Two appraisals may be required on high-value homes
Agency · 22/32
Conventional No Score
One borrower has no credit score? Fannie Mae and Freddie Mac conventional programs can still say yes — as long as another borrower brings an established credit history.
AgencyFannie & Freddie
CreditNo Score Co-Borrower
OccupancyPrimary · 1 Unit
No Score Co-BorrowerFannie & FreddiePrimary 1-UnitPurchase / R&T Refi
Ideal para
Couples where one buyer has not yet built a credit history
Families buying together with one no-score borrower
New arrivals joining a spouse or relative on the loan
Purchase or rate-and-term refinance of a primary residence
Puntos clave
One borrower can join the loan WITHOUT a traditional credit score
At least one other borrower must have an established credit history
Available on standard Conventional loans (Fannie Mae & Freddie Mac)
Purchase or rate-and-term refinance
Generally a 1-unit primary residence — all borrowers must occupy the property
Requisitos
At least one borrower with an established credit historyFreddie Mac: the borrower WITH a score must contribute more than 50% of the qualifying incomeFannie Mae: eligibility determined by Desktop Underwriter resultsAll borrowers occupy the property as their primary residenceFinal approval depends on automated underwriting results, documentation and current program guidelines
Construction · 23/32
One-Time Close
Build the home you want with ONE closing: one interest rate — with the option to modify down if the market improves — one down payment, one credit report, one approval.
Max LTV100% (VA)
CreditFICO 580+
ClosingsJust One
One ClosingConventional & VA100% LTV (VA)Faster & Easier
Ideal para
Buyers building a new home
Primary, second and investment properties (Conventional)
Veterans building a primary home (VA)
Anyone who wants one closing instead of two
Puntos clave
Conventional: 15- & 30-year fixed, high balance, and 7- & 10-year ARM options
Conventional: primary, second & investment purchases and rate/term refinances
Conventional: loan amounts up to conforming limits · 620+ FICO · up to 95% LTV
VA: 30-year fixed · loans up to $4M
VA: primary purchases and cash-out refinances · 580+ FICO · up to 100% LTV
11-month maximum build period + 1-month modification period
Conventional: interest-only payments during the build
VA: NO monthly payments during the build (build period deducted from the loan term)
DU and LP eligible
Requisitos
620+ FICO (Conventional) or 580+ FICO (VA)Build completed within the 11-month build periodVA: eligible veterans and service membersStandard appraisal and builder documentation
Construction · 24/32
Ground-Up Construction
Built for experienced builders who need flexible financing to move quickly — fast pre-qualifications, flexible terms, and a process that keeps projects moving without unnecessary delays.
Construction100% of Cost
LotUp to 65%
Term12–18 Mo I/O
Lot + Construction12–18 Mo Interest-OnlySPEC & Build-to-Rent100% of Construction
Ideal para
Experienced builders and developers
SPEC projects
Build-to-rent projects
Builders financing both the lot and the construction
Puntos clave
Financing for both the lot and construction costs — based on approved plans and permits
12- and 18-month interest-only term options
Common-sense loan pricing based on builder experience, project details, assets, and credit
Supports SPEC and build-to-rent projects
Loan amounts up to 65% of the lot cost and up to 100% of the construction cost
Fast pre-qualifications and flexible terms
Requisitos
Experienced builder track recordApproved plans and permitsReview of project details, assets and creditExit strategy (sale or refinance) for SPEC / build-to-rent
Construction · 25/32
HomeStyle® Renovation
Buy and renovate with ONE conventional loan — financing based on the value of the home AFTER the improvements are complete.
Max LTVUp to 97%
CreditFICO 620+
ProjectUp to $50K
Buy + RenovateUp to $50K97% LTVFICO 620+2 Draws
Ideal para
Buyers purchasing a home that needs updating
Smaller renovation projects — up to $50K in costs
Kitchen, bath, roof and energy-efficiency upgrades
Buyers who want one loan, one closing, one payment
Puntos clave
Purchase + renovation inside the same conventional loan
Up to $50,000 in project costs (HomeStyle® Limited)
Financing based on the after-improved value of the property
Up to 97% financing · FICO from 620
Simple 2-draw structure — no HUD consultant required
No structural work — final inspection can be done by the appraiser
Requisitos
FICO 620+Project costs up to $50,000No structural work (Limited version)Eligible improvements: kitchens, baths, electrical, plumbing, roof, energy efficiency and eligible luxury items
Commercial & Bridge · 26/32
Fix & Flip
The market is buzzing and flips are producing amazing returns. Buy, renovate and sell fast — with up to 90% of the purchase and up to 100% of construction financed.
PurchaseUp to 90%
ConstructionUp to 100%
Terms InHours
Terms in Hours90% Purchase100% ConstructionFICO 660+12–18 Mo I/O
Ideal para
Fix and flip investors — any experience level
First-time flippers through seasoned pros
Non-owner occupied single family
Multifamily up to 4 units
Puntos clave
Decisions and term sheets issued in HOURS, not days
Any level of investor experience
Credit scores as low as 660
Purchase loan: up to 90% of cost — depending on investor experience
Construction loan: up to 100% of cost — depending on investor experience
Total loan up to 90% of total cost (maximum after-repair-value LTV: 70%)
12–18 month loan terms with Interest-Only payments
Requisitos
Non-owner occupied: Single Family or Multifamily up to 4 unitsCredit score 660+Maximum ARV LTV: 70%Renovation budget and exit strategy
Commercial & Bridge · 27/32
Fix & Flip 5+ Units
Fix & flip financing for 5+ unit multifamily and mixed-use properties — from acquisition through rehab and exit.
Loan Size$300K–$8M
CreditFICO 670+
Rehab100% Financed
5+ Units$300K–$8M100% Rehab75% LTCFICO 670+
Ideal para
Investors acquiring 5+ unit multifamily
Mixed-use value-add projects
Repositioning and rehab plays
Portfolio builders scaling beyond 1–4 units
Puntos clave
Loan size: $300K – $8M
Purchase: up to 75% loan-to-cost
Rehab: up to 100% of rehab cost financed
Up to 65% of after-repair value (ARV)
Minimum FICO 670
Requisitos
5+ unit multifamily or mixed-use propertyFICO 670+Rehab budget / business plan for value-add projectsInvestor experience considered
Commercial & Bridge · 28/32
ARV Pro
A short-term, interest-only loan to improve or rehab rental property — maximize appreciation, stabilize cash flow and minimize vacancies.
LTCUp to 90%
ARVUp to 75%
Prepay PenaltyNone
90% LTC75% ARV1-Yr I/ONo Prepay
Ideal para
Investors improving or rehabbing rentals
Value-add projects on SFR, condo and 2–4 units
Mid-rehab refinances (with current plans and permits)
Foreign investors with a U.S. bank account
Puntos clave
Up to 90% loan-to-cost and up to 75% of after-repair value (by experience level)
Loan amounts $75K – $2MM
1-year interest-only term (6-month extension available)
NO prepayment premium
Draw-based rehab budget (schedule of improvements)
Credit score from 650
Experience levels start at just 1 completed rehab or 1 rental owned
Requisitos
Schedule of improvements (GC resume / license if applicable)Sourced down payment + asset verification for 25% of the budgetMax 500 SF in additions · no ground-up constructionFirst-time investors ineligible
Commercial & Bridge · 29/32
Flex I/O
A short-term, interest-only loan with NO prepayment penalties — move now, exit whenever you want.
Term24-Mo I/O
Max LTV75%
Prepay PenaltyNone
24-Mo I/ONo Prepay75% LTV$75K–$2MM
Ideal para
Investors needing short-term flexibility
Purchases and refinances of SFR, condo, 2–4 units
Bridge-style holds before a sale or long-term refinance
Foreign investors (up to 65% LTV)
Puntos clave
24-month interest-only term
NO prepayment premium — exit anytime
Loan amounts $75K – $2MM
LTV up to 75%
Simple-documentation income verification
Credit score from 675
Nationwide lending
Requisitos
FICO 675+Loans over $1MM: max 70% LTVSourced down paymentFirst-time investor: max 65% LTV
Commercial & Bridge · 30/32
FlexTerm
Long-term, fixed-rate commercial financing with NO balloon payment — lower payments for investors, from single-family rentals to office, retail, warehouse, self-storage and automotive.
A strategic alternative that keeps your cash working on the next deal
Requisitos
A seller willing to carry a second mortgageReserves and investor-experience requirements applyMinimum term required on the seller second noteThe property cash flow must support the combined debt
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La información de programas es educativa — no es una oferta de préstamo ni un compromiso de prestar. Todos los programas están sujetos a elegibilidad, documentación, aprobación y guidelines vigentes, y pueden cambiar sin previo aviso. PRIMUS Mortgage NMLS #2831121 · Yude González NMLS 2278744 · Coast2Coast Mortgage · Equal Housing Lender.
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