Non-QM Investor Loan
Non-QM loan program offering flexible seasoning requirements for cash-out transactions on owner-occupied, second home, and investment properties.
Underwriting at a glance
- Minimum FICO
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- Max LTV (purchase / rate-term)
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- Max LTV (cash-out)
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- Minimum DSCR
- -
- Loan amount
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- Documentation
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- Property types
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- States
- most states
Highlights
- •No seasoning requirement for owner-occupied and second homes with LTV 50% or less
- •No seasoning requirement for investment properties with LTV 70% or less
- •Appraised value used for LTV/CLTV calculation on properties owned 12 months or longer
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/10/2026. Not a commitment to lend. NMLS info available on request.