Loan Programs
Elite VOE/P&L/Bank Stmt
EVOE / EPNL / EBS
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Property type
1-4 Units, Condo, PUD
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Loan Amount
$150,000 - $2,500,000
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Max DTI Max LTV Min FICO
49.99% 80% 660
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Asset
1 mo. seasoning
100% gift (including reserves)
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Income Doc
VOE only OR
CPA signed P&L only OR
12 mo. personal/business bank stmt.
DSCR 1
DSCR1
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Property type
1-4 Units, Non-warrantable Condo, PUD
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Loan Amount
$150,000 - $2,000,000
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Min DSCR Max LTV Min FICO
N/A 75% 660
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Asset
1 mo. seasoning
100% gift (including reserves)
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Income Doc
None
DSCR 2
DSCR2
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Property type
1-4 Units, Non-warrantable Condo, PUD
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Loan Amount
$150,000 - $2,000,000
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Min DSCR Max LTV Min FICO
0.75 75% 660
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Asset
1 mo. seasoning
100% gift (including reserves)
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Income Doc
None
WMB No Doc
ND2
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Property type
1-4 Units, Condo, PUD
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Loan Amount
$100,000 - $5,000,000
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Min DSCR Max LTV Min FICO
Not required 70% Not required
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Asset
Stated Asset
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Employment/Income
Not required
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Eligible Entity
LLC, Corporation
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Reserve
36 or 48 months of P+I
