Non-QM. Every Product One Click Away.
Series 1
Guidelines
Series 2
Guidelines
Series 3
Guidelines
Series 4
Guidelines
Full Doc
S4 - Guidelines
Alt Doc
S4 - Guidelines
DSCR
S4 - Guidelines
Full/Alt
S3 - Guidelines
DSCR
S3 - Guidelines

Standard Doc is available in:
Series 1
Series 4
Series 2
Series 3

12 & 24m Bank Statements is available in:
Series 1
Series 4
Series 2
Series 3

12 & 24m Profit and Loss is available in:
Series 1
Series 3

WVOE Only is available in:
Series 1

1099 Only is available in:
Series 1
Series 2

Asset Utilization is available in:
Series 1
Series 4
Series 2
Series 3

DSCR (1-4 Units) is available in:
Series 1 (No Ratio)
Series 4 (≥1.00)
Series 2 (≥0.75)
Series 3 (≥0.75)

DSCR (5-8 Units & Mixed Use) is available in:
Series 1

DSCR (Cross Collateral) is available in:
Series 1

Foreign National is available in:
Series 1
Series 4
Series 2

Standard Docs
1 or 2 Years

Bank Statements
12 or 24 Months

P&L Only
CPA or Tax Prep

WVOE Only
2 Years No W2s

1099 Only
2 Years No 1040s

Asset Utilization
Divide by 84m

DSCR (1-4 Units)
No Minimum Ratio

DSCR (5+ & Mix Use)
Small Commercial

Cross Collateral
3+ Properties

Foreign National
DSCR
Every income type. Scroll away.

1 or 2 Years
Standard Docs

12 or 24 Months
Bank Statements

CPA or Tax Prep
P&L Only

2 Years No W2s
WVOE Only

2 Years No 1040s
1099 Only

Divide by 84m
Asset Utilization

No Minimum Ratio
DSCR (1-4 Units)

Small Commercial
DSCR (5-8 & Mixed Use)

3-25 Properties
Cross Collateral

DSCR
Foreign National
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Rapid Fire Pricing. Crank Out Scenarios.
This version of the pricing engine may generating pricing scenarios outside of guideline restrictions. Please refer to the matrices below or LendingPad to establish official product eligibility.
This pricing engine is intended to be used as a tool for licensed mortgage and real estate professionals only and is not intended to be utilized by potential borrowers or by the general public. The information does not take into consideration borrower’s personal financial situation, verified credit score, income, existing debt, or other factors. Pricing is not considered to be final until registered and approved through LendingPad LOS, underwriting, and lock desk confirmation. This is not a commitment to lend. The non-binding quotes are not official Loan Estimates under Reg. Z. Lendz Financial is an equal opportunity lender. Rate, terms and programs subject to change without notice. Full eligibility to be determined by guidelines, rate sheets, and matrices.
Rates and Matrices. Old School Pricing.
Non-QM
Series 1
Full Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | DSCR 5-8 | DSCR Blanket | Foreign National (Standard and DSCR)
Non-QM
Series 2
Full Doc | Bank Statements | 1099 | DSCR | Foreign National DSCR
Loan submissions and updates. Let's do it.
Need a walk through? Setup an appointment here.
Not sure what you need to submit? Click an income type.

Standard Docs

Bank Statements

P&L Only

1099 Only

WVOE Only

Asset Utilization

DSCR

Foreign National
Standard Docs
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
Standard Docs
What we need for Underwriting*
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.
*In addition to the documents required for Initial Disclosures.
Bank Statements
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
Bank Statements
What we need for Underwriting*
12/24 months of bank statements (all months, all pages)
Income calculation completed using the form below. (optional)
*In addition to the documents required for Initial Disclosures.
P&L Only
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
P&L Only
What we need for Underwriting*
12/24 months P&L prepared and signed by a CPA/Tax Preparer.
We will condition for:
Signed letter from CPA/Tax Preparer confirming that they prepared the borrowers most recent tax returns. Additionally, the letter needs to address the nature of the business, % of ownership, and the date established.
*In addition to the documents required for Initial Disclosures.
1099 Only
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
1099 Only
What we need for Underwriting*
IRS Form 1099 documenting income.
*In addition to the documents required for Initial Disclosures.
WVOE Only
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
WVOE Only
What we need for Underwriting*
Written Verification of Employment from current employer showing YTD income along with last 2 years income.
*In addition to the documents required for Initial Disclosures.
Asset Utilization
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - Including Income & Employment.
Submission Form Above Completed.
Asset Utilization
What we need for Underwriting*
Two most recent statements for all assets used to calculate income.
*In addition to the documents required for Initial Disclosures.
DSCR
What we need for Initial Disclosures
Credit Report (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID (Passport of Driver License).
Complete Loan Application - DO NOT include Income & Employment.
Submission Form Above Completed.
DSCR
What we need for Underwriting*
Copy of lease agreement(s) (if applicable)
Copies short term income statement(s) (if applicable)
*In addition to the documents required for Initial Disclosures.
Foreign National
What we need for Initial Disclosures
Credit Report - even if the borrower has no score. (Cannot be older than 60 days) - Must be merged into the LOS.
Borrowers' ID - Passport and Unexpired VISA (or evidence of VISA waiver)
Complete Loan Application - DO NOT include Income & Employment for DSCR loans.
Submission Form Above Completed.
Foreign National
What we need for Underwriting*
Copy of lease agreement(s) (if applicable)
Copies short term income statement(s) (if applicable)
Two credit reference letters documenting the existence of active credit for 24+ months. See guidelines for more details.
*In addition to the documents required for Initial Disclosures.
Need A Form? You Can Find It Here.
Bank Statements? Let Us Do The Math.

Tutorials. Our Videos Break It Down.

How to Import Your MISMO 3.4 File
1. Select "Pipeline" in the main menu
2. Select "Import"
3. Make sure the Lender, File Format, and Branch are correct.
4. Select the file(s) you would like to upload by either dragging and dropping or by clicking the the "select files(s) from your computer" link.
5. Select "Import New Loan"
6. The new loan number were show up in a dialog box on the bottom right hand corner of the screen.
7. Select "Search"
8. Click the loan number of the loan you just imported.

How To Register A Loan
1. Select the "additional tab".
2. Select the "income verification type" that matches your loan product.
3. Select "Register Loan with Lendz Financial".
4. Select the product type.
5. Select the price.

How To Submit A Loan
1. Make sure the completed checklist and any required documents associated with your loan program are uploaded to the file you would like to submit. (See the "Checklists" tab on the Wholesale Resources page to find the applicable form).
2. Select "Actions"
3. Click "Submit to Lender"

How To Order An Appraisal
Option 1:
Locate the actions menu and select "Request for Appraisal" in our LOS and follow the steps in the video below.
Make sure to include the contract for entry information: Name, Phone Number, and E-mail Address.
Option 2:
Sign up with one of the AMCs below and order the appraisal yourself.

How To Upload A Condition
1. Expand the "Documents" Tab.
2. Select "add new documents".
3. Select the one or multiple files.
4. Label the document(s) type and name.
5. Select the condition you would like to attach the document to.
6. Select "Add New Documents" to upload the documents.

How To Fix:
The First Time Homebuyer Error On Investment Loans
1. Select "Loan Application"
2. Select "Declarations"
3. Select "Edit"
4. Press the radio button on line "A. Will you occupy the property as your primary residence?"
5. Press the radio indicating that the borrower has had ownership interested in the last three years.
6. Specify the type of access.
7. De-select the radio button on line "A. Will you occupy the property as your primary residence?"
8. Information regarding the type of property owned should remain.

How To Submit A Change of Circumstance
1. Log into the Lendz Loan Origination System
2. Select the loan you would like to issue a change of circumstance for.
3. Select "Actions"
4. Select "Send to Lock Desk"
5. Describe the change of circumstance in the text field.
6. Click "Send to Lock Desk"

How To Add Your Credit Provider
Credit Provider Tutorial - How to add one company login
This section shows system administrators how to add their credit provider login. This method is for brokerages that only have ONE login for the entire company.
If your brokerage has one set of credentials with your credit provider that everyone uses, follow the steps below.
1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"
Credit Provider Tutorial -User Logins
This section shows system administrators how to add their credit provider login. This method is for brokerages that only have ONE login for the entire company.
If your brokerage has one set of credentials with your credit provider that everyone uses, follow the steps below.
1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"
Credit Provider Tutorial -Individual User Logins
This section shows system administrators how to add their credit provider login. This method is for brokerages that only have ONE login for the entire company.
If your brokerage has one set of credentials with your credit provider that everyone uses, follow the steps below.
1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"
