Non-QM Investor Loan
A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- $75,000 – $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 24mo-bank-stmt, dscr-only
- Property types
- sfr, 2-4-unit, condo, townhouse
- States
- most states
Highlights
- •90% Max CLTV for Full Doc, Bank Statement, and DSCR
- •Eligible as 2nd lien only
- •AVMs available for loans up to $400,000
- •Properties with a solar lien are eligible
- •Fully disbursed at closing with no draw feature
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 5/8/2026. Not a commitment to lend. NMLS info available on request.