Product Matrix
Premium Easy Doc
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.
Fast & Easy Doc
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
Portfolio
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
3 Month Bank Statements
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
DSCR
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
iDSCR
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