Non-QM Investor Loan
A Non-QM cash-out refinance program that allows borrowers to refinance immediately after purchase without a waiting period, applicable to both primary and investment properties.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 80%
- Minimum DSCR
- -
- Loan amount
- -
- Documentation
- -
- Property types
- -
- States
- most states
Highlights
- •Refinance immediately after purchase with no waiting period
- •Use lesser of appraised value or purchase price plus documented improvements
- •Title in LLC or Corp allowed for business purpose loans
- •Available for primary or investment properties
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 5/15/2026. Not a commitment to lend. NMLS info available on request.