LITE DOC INVESTOR PROGRAM

Best for: Investors who may not be able to disclose certain financial information or whose properties are more valuable than a tax return might show.

• No tax returns or 4506T required
• Investor transactions only
• Loan Purpose: Purchase, Cash-Out, Refinance

Loan Amounts:

$250,000 – $2 million

Rates:

6-9%

Max LTV Tier 1 & 2:

80%

Term:

5-7-yr
Hybrid

STATED OWNER-OCCUPIED PROGRAM

Best for: Transactions where the business owner has difficulty documenting their income for traditional lenders.

• No tax returns or 4506T required
• Owner-occupied transactions only
• Loan Purpose: Purchase, Cash-Out, Refinance

Loan Amounts:

$250,000 – $2 million

Rates:

6-9%

Max LTV Tier 1 & 2:

80%

Term:

5-7-yr Hybrid

BANK STATEMENT PROGRAM

Best for: Credit-worthy business owners looking for an alternative to restrictive bank financing

• No tax returns or 4506T required
• Underwriters review 12 months of bank statements
• Loan Purpose: Purchase, Cash-Out, Refinance

Loan Amounts:

$250,000 – $2 million

Rates:

6-9%

Max LTV Tier 1 & 2:

80%

Term:

5-7-yr Hybrid

1-4 PLEX PROGRAM

Best for: Investors looking for non-bank financing solutions for 1-4-unit properties.

• No tax returns or 4506T required
• Eligible properties include plex properties, condos, and PUDs
• Investor transactions only

Loan Amounts:

$100,000 – $2 million

Rates:

6-8%

Max LTV Tier 1 & 2:

80%

Term:

5-7-yr Hybrid

BRIDGE PROGRAM

Best for: Borrowers in need of interim financing to support their long-term strategy.

• Non-recourse options available
• Owner-occupied or investor
• Loan Purpose: Purchase or Refinance

Loan Amounts:

$1 million – $5 million

Rates:

Floating interest only starting at LIBOR +500

Max LTV Tier 1 & 2:

80%

Term:

1-3 year primary term

MINI-PERM PROGRAM

Best for: Borrowers in need of interim financing to support their long-term strategy.

• Non-recourse options available
• Owner-occupied or investor
• Loan Purpose: Purchase, Cash-Out, Refinance

Loan Amounts:

$1 million – $5 million

Rates:

Fixed

Max LTV Tier 1 & 2:

80%

Term:

3-8 year primary term