Non-QM Investor Loan
A closed-end second mortgage program offering flexible income documentation including bank statements, P&L, 1099, WVOE, DSCR, and full doc options with up to 90% CLTV.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- ? – $850,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, p-and-l, 1099-only, wvoe, dscr-only, full-doc
- Property types
- -
- States
- most states
Highlights
- •90% CLTV available
- •Not a HELOC
- •Available in Bank Statement, P&L, 1099, WVOE, DSCR and Full Doc
- •Interest-only options available for owner-occupied properties
- •Asset depletion income documentation available for owner-occupied properties
- •Asset depletion income documentation available
- •Available in multiple income documentation types
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.