Specialized Investor Loan Program
A flexible HELOC program for primary, second homes, and investment properties with up to 95% CLTV and no initial draw requirement.
Underwriting at a glance
- Minimum FICO
- 640+
- Max LTV (purchase / rate-term)
- 95%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- ? – $750,000
- Documentation
- alt-doc
- Property types
- sfr, 2-4-unit, condo, townhouse
- States
- most states
Highlights
- •95% CLTV on renovation HELOC
- •No initial draw required
- •10-year draw period with interest-only payments
- •Bank statement income allowed
- •1-year tax return option available
- •AVMs allowed up to $400K loan amount
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 5/9/2026. Not a commitment to lend. NMLS info available on request.