Product Matrix

10% down for business & building

30% down for business only

1st time home buyers are allowed 

Primary, 2nd Home, Investment properties are allowed 

Max DTI : 50%

1 - 4 units are allowed 

100% gift is allowed - gift can be used for reserves 

Only P & I are required for reserves

Non-warrantable condos are allowed 

Up to 20 acres allowed 

Unlimited cash-back to borrower 

Loan amount up to $ 4 mil.

ITIN allowed 

No reserves required up to 75% LTV 

Min. FICO 640 

For Sale by Owner is allowed with restrictions 

1 unit, Primary and 2nd Home only 

Home base business without license allowed

Foreign national allowed 

No P.P.P. on all occupancy 

100% gift is allowed (reserves must be borrower's own funds) 

Property with Permitted multiple ADUs are allowed 

Unlimited cash-back to borrower

P & I only for reserves 

20 + acre allowed with exception

Income = Average of 3 month deposit

Self-emp. and Wage earners are allowed

100% gift is allowed ( reserves must be borrower's own funds ) 

Personal bank statements are used for income

Self-prepared P & L is allowed 

No P.P.P. on all occupancy

No Personal Income Documents are required

Git is allowed

Only current lease agreement is required

40 year term available

Vacant property is allowed with DSCR < 1.00 Matrix

Reserves for subject property only

1st time investors are allowed with prior homeownership experience 

iTrust offers 30+ states without state license 

1st time home buyers are allowed 

No Reserves required 

Short-Term Rentals are allowed (Airbnb, VRBO, FlipKey, etc.)

Foreign national up to 75% LTV

LLC allowed

Foreign national up to 75% LTV

CLTV up to 80%

12 month bank statements

CLTV up to 80%

12 month bank statements