Standard Doc

Traditional qualification based on W-2s, pay stubs, and tax returns.

Customize Flyer

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

Series 7

Standard Doc

About program

Standard Doc program, also knows as a Full Doc loan, follows conventional income verification guidelines. Borrowers demonstrate theirability to repay by providing standard documentation such as W-2 forms, pay stubs, and 1-2 years of tax returns. This program is oftenideal for borrowers with a stable employment history and verifiable income who seek competitive rates and straightforward underwriting.

Min 620 FICO – Up to 90% LTV

Key features

No tradeline requirement w/ 3 credit scores
Non-perm up to 90% LTV
DTI up to 55%
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Required to Disclose

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.

Required to Underwrite
(in addition to above)

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.

FAQ

Other programs

Bank statements

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
Business or personal
50% standard expense
Min 10% expense with accountant letter
Non-perm up to 90% LTV
Unlimited cash-in-hand
3 month cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Profit & loss only

Min 660 FICO – Up to 85% LTV

No tradeline requirement w/ 3 credit scores
No bank statements
12 or 24 months accepted
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
3 months cash-out seasoning allowed
SFR, condotels, condos, studios, 2-4
Loan amounts up to $3m
CPA, EA, CTEC, PTIN

Asset utilization

Min 640 FICO – Up to 85% LTV

No tradeline requirement w/ 3 credit scores
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m
100% of checking, savings, money market
70% of stocks, bonds, mutual funds
Divide by 84

DSCR loans (1–4 units)

Min 620 FICO – Up to 80% LTV

No deposit sourcing
No minimum DSCR ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
Unlimited cash in hand ≤65% LTV
SFR, condos, 2-4 up to 80% LTV
Condotels and studios up to 75% LTV
2 months reserves
3 months cash out seasoning
Cash-out used for reserves
AIR DNA & STR income accepted
Loan amounts up to $3.5m
Unlimited 30 days lates allowed
Vacant properties allowed
Rural up to 20 acres allowed

Foreign national

No FICO or 680 – Up to 80% LTV

Bank statement and P&L up to 80% LTV
DSCR ≥ 1 up to 75% LTV
No DSCR ratio up to 65% LTV
6 months reserves
No deposit sourcing
No credit reference letters
No asset seasoning in US account
No visa
Loan amounts up to $2m
Condotels, studios, condos, 2-4 up to 70% LTV
ITIN borrowers allowed
No 3rd party primary address verification

1099 only

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
1 or 2 years - 1099 or transcripts
12/24 month average minus expense ratio
Non-perm up to 80% LTV
Unlimited cash-in-hand
3 months cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

DSCR (5–8 units & 2–8 mixed use)

Min 700 FICO – Up to 75% LTV

No deposit sourcing
Min DSCR of 1
No tradeline requirement w/ 3 credit scores
$1m cash in hand
Cash-out up to 65% LTV
Commercial space <50% allowed
Loan amounts up to $2m

Cross collateral

Min 660 FICO – Up to 70% LTV

No deposit sourcing
Min DSCR of 1.2
No tradeline requirement w/ 3 credit scores
Unlimited cash-in-hand
Minimum per property balance $50k
Minimum of 3 properties
Maximum of 25 properties
Cash-out up to 65% LTV

WVOE only

Min 660 FICO – Up to 80% LTV

No tradeline requirement w/ 3 credit scores
No tax return, W2, or paystubs
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, 2-4
Loan amounts up to $3m
2 months bank statements required

Closed end second

Min 660 FICO – Up to 90% CLTV

Cash-out used for reserves
Loan amounts up to $500k
Combined loan amount up to $5m
Standard doc, bank statements, P&L, WVOE, & 1099 income types
Primary, second homes, and investment
AVM only for loan amounts <$250k
Non-permanent residents allowed

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Thank you!

We’ll Connect with You Soon

Oops, Something Went Wrong!

Please try refreshing the page or come back later.
If the problem persists, contact our support
team for assistance.

Rapid fire pricing

Experience Lendz Wholesale

Start Pricing

Modern programs

Alternative ways to qualify

Pre-Qual Broker Sign Up

Standard Doc

Standard doc loans

Bank statements

Profit & loss only

Asset utilization

DSCR loans (1–4 units)

Foreign national

1099 only

DSCR (5–8 units & 2–8 mixed use)

Cross collateral

WVOE only

Closed end second

Fill out this quick form and we’ll get back to you shortly

Thank you!

Oops, Something Went Wrong!