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Painted Greek Island

Product Matrix

Premium Easy Doc

  • Primary up to 80% LTV from 680 FICO

  • 2nd Home up to 80% LTV from 680 FICO

  • Investment Property up to 80% LTV from 680 FICO

  • Max. Loan Amount up to $2.5 mil.

  • Primary Cash-Out up to 70% LTV from 680 FICO

  • 2nd Home Cash-Out up to 75% LTV from 680 FICO

  • Investment Property Cash-Out up to 70% LTV from 680 FICO

  • Bankruptcy 3 years

  • Foreclosure 4 years

  • Short Sale 2 years

  • Max DTI 50%

  • Self-Emp. : CPA, CTEC, EA prepared P&L Statement for most recent 2 years

  • Wage Earner : WVOE from the employer

  • 4506 is NOT required

  • Unlimited Cash-Back to the borrower(s)

  • 100% gift for all occupancy types

  • Gift funds may be used for down payment, closing costs, reserves

  • VOD allowed

Portfolio

  • 30 yr Fixed and ARM programs

  • P & L Statements for Self-emp. borrowers

  • WVOE for wage earner

CRA

  • P & L Statements for Self-emp. borrowers and WVOE for Wage earners

  • Low Interest Rate for Low Income Area

  • Ideal product for Investment Property

DSCR

  • No Personal Income Documents are required

  • No 4506

  • Only a lease agreement is required as income for the subject property

  • Investment properties only

iDSCR

  • LLC is allowed (current vesting and/or new vesting)

  • Foreign national is allowed

  • No State license for LO or Broker is required (CA requires licenses)

Available State List:

‍Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Washington, West Virginia, Wisconsin, Wyoming


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