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Our most flexible Non-QM Product

  • STREAMLINED guideline approval subject to DU findings for income and assets requirements

  • 12 or 24 months bank statements and 1 year tax returns for self-employed borrowers

  • Up to 95% LTV for Purchase, R&T and Cash-Out with NO MI up to $1.5M

  • Unlimited cash-out up to the max LTV/CLTV

  • Non-occupant co-borrowers and gift funds allowed

  • 40 year Interest Only options available

  • 4 years seasoning on all credit events required

  • Fico as low as 600 Fico

  • Loan amount from $100K to $3M

  • Up to 50% DTI for LTV <= 80% with Min. Fico of 720

Sunset INVESTOR solutions (DSCR)

Grow your wealth, with no income or reserve required.

  • Loans to $5 million

  • 30-year, 15-year, 5/1 ARM and 7/1 ARM with interest only
    VOD allowed

  • 1 to 4 units

  • Unlimited Cash-In Hand subject to Max LTV

  • Unlimited properties financed or not

  • Negative cash-flow allowed for loan amount >=$150k, No required DSCR value

  • No income/No 4506T

  • No ratio/No reserve

  • Short-term rental properties allowed

  • Closing in an LLC is permitted as long as borrower owns 100% of LLC


A flexible, non-QM lending option that can help your hard-to-qualify clients get approved with 12- or 24-months bank statements or 12- or 24-months full documents.

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  • No seasoning requirement on settled derogatory credit such as deed-in-lieu, bankruptcy and short sales

  • Minimum of 2-months reserve on subject and 2-months reserve on each additional up to 12 months

  • Cash in hand may be used to meet reserve requirements (restrictions apply
    5/1 & 7/1 ARM, 15- & 30-year fixed, with 30- and 40-year interest-only
    Max DTI up to 55% (Restrictions apply)

  • 1x120x12 mortgage late payments allowed on Grade C

  • Non-occupant co-borrower allowed

  • Loan amounts $75K to $5M

  • Up to 20 financed properties (max 10 acres)

  • Gift funds and non-occupant co-borrower allowed on bank statements qualification up to 75% LTV

  • 12 or 24 CPA P&L with 2 months bank statements up to 90% LTV