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Dynamic Lending Options – Self-Employed & Borrowers with Credit Issues

Features of our Venice Non-QM Purchase:

  • Loan amounts: $125K to $2.5M

  • Foreclosure/bankruptcy/short-sale/loan modification with one-year seasoning

  • 5/1 & 7/1 ARM with interest-only options

  • Non-warrantable condos

  • Gift funds permitted for investment

  • FICOs from 650

  • Maximum LTV up to 80%

  • Debt-to-income ratio up to 50%, subject to residual income

  • Full-doc and asset depletion qualifications

  • Unlimited cash out subject to maximum LTV/CLTV



  • Only 2 credit references required

  • 6-months reserve required on subject property

  • Funds for down payment and closing can be wired directly to the title company. Only the reserve requirement needs to be deposited into a U.S. account prior to closing.

  • Translation does not need to be certified (must be from a third party)

  • Gift funds permitted after 10% from borrower’s own funds

  • Increased party contribution up to 5%



What kind of borrowers are suitable for the VENICE NON-QM Program?

All kinds of borrowers are suitable for our Venice Non-QM program, but you may find the most success with self-employed borrowers:

  • Self-employed needing to qualify bank statements

  • Borrowers with credit events, but have excellent credit history since the event

  • Foreign Nationals looking for competitive rates