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Select a series or action to the left or an income type above for more information.
Non-QM. Every Product One Click Away.
Series Z
Series 1
Series 2
Series 3
Series 4
Series 5
Series 6
*NEW* Easy Submit
Submit your loan and upload docs in 3 minutes or less.
Submit Loan
(Legacy Version)
Submit a Loan Change
Request a Closing/CD
Bank Statement Review
Pre-Qual
Request
Order an Appraisal
Series Z
Standard Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | Foreign National
Series 1
Standard Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | DSCR 5-8 | DSCR Cross Collateral | Foreign National | Seconds
Series 2
Standard Doc | Bank Statements | 1099 | DSCR | Foreign National DSCR
Series 3
Standard Doc | Bank Statements | P&L Only | DSCR | Seconds
Series 4
Standard Doc | Bank Statements | P&L Only | WVOE Only | DSCR
Series 5
Standard Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | Foreign National | Seconds
Series 6
Standard Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | DSCR 5-8 | Foreign National
Standard Doc
Series Z
Series 1
Series 2
Series 3
Series 4
Series 5
Series 6
Min 620 FICO - Up to 90% LTV
• 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, 2-4
• Loan amounts up to $4m
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver 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.
Bank Statements
Series Z
Series 1
Series 2
Series 3
Series 4
Series 5
Series 6
Min 620 FICO - Up to 90% LTV
• No tradeline requirement w/ 3 credit scores
• Business or personal
• 50% standard expense
• 10% expense with accountant letter
• Non-perm up to 90% 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
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income & Employment.
Submission Form Completed.
12/24 months of bank statements (all months, all pages)
Income calculation completed using the form to the left. (optional)
P&L Only
Series Z
Series 1
Series 2
Series 3
Series 4
Series 5
Series 6
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
• SFR, condotels, condos, studios 2-4
• Loan amounts up to $3m
• CPA, EA, CTEC, or PTIN
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income & Employment.
Submission Form Completed.
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.
WVOE Only
Series Z
Series 1
Series 2
-
Series 4
Series 5
Series 6
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
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income & Employment.
Submission Form Completed.
Written Verification of Employment from current employer showing YTD income along with last 2 years income.
1099 Only
Series Z
Series 1
Series 2
-
Series 4
Series 5
Series 6
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
• Cash-out used for reserves
• SFR, condotels, condos, 2-4
• Loan amounts up to $4m
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income & Employment.
Submission Form Completed.
IRS Form 1099 documenting income.
Asset Utilization
Series Z
Series 1
Series 2
Series 3
Series 4
Series 5
Series 6
Min 620 FICO - Up to 90% 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
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income & Employment.
Submission Form Completed.
Two most recent statements for all assets used to calculate income.
DSCR (1-4 Residential Units)
Series Z
(≥0.75)
Series 1
(No Ratio)
Series 2
(≥0.75)
Series 3
(≥0.75)
Series 4
(≥0.75)
Series 5
(≥0.75)
Series 6
(No Ratio)
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 properties up to 20 acres allowed
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - DO NOT include Income & Employment.
Submission Form Completed.
Copy of lease agreement(s) (if applicable)
Copies short term income statement(s) (if applicable)
DSCR (5-8 REsidential Units & 2-8 Mixed Use)
-
Series 1
-
-
-
-
-
Min 700 FICO - Up to 75% LTV
• No deposit sourcing.
• Min DSCR of 1
• No tradeline requirement w/ 3 credit scores
• $1,000,000 cash in hand
• Cash out up to 65% LTV
• Commercial space <50% allowed
• Loan amounts up to $2,000,000
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - DO NOT include Income & Employment.
Submission Form Completed.
Copy of lease agreement(s) (if applicable)
DSCR (Cross Collateral)
-
Series 1
-
-
-
-
Series 6
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
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - DO NOT include Income & Employment.
Submission Form Completed.
Copy of lease agreement(s) (if applicable)
Foreign National
Series Z
Series 1
Series 2
-
Series 4
-
Series 6
No FICO or Min 680 - Up to 80% LTV
• DSCR ≥ 1 up to 75% LTV
• No DSCR Ratio up to 65% LTV
• Loan amounts up to $2m
• 6 months reserves
• No deposit sourcing
• No credit reference letters
• No asset seasoning in US account
• No visa
• Loan amounts up to $2m
• Condotels, Condos, & 2-4 up to 70% LTV
• ITIN borrower allowed
• No 3rd party primary address verification
• Bank statement and P&L up to 80% LTV
Unexpired Passport
Purchase Contract (if applicable)
Complete Loan Application - DO NOT include income & employment information.
Submission Form Completed.
Copy of lease agreement(s) (if applicable)
Closed End Seconds
-
Series 1
-
Series 3
-
Series 5
Series 6
Min 660 FICO - Up to 90% CLTV
• Cash-out used for reserves
• Loan amounts up to $500k
• Combined loan amount up to $4m
• Standard Doc, Bank Statements, P&L, 1099
• Primary, Second Homes, and Investment
• AVM only for Loan Amounts <$250k (no appraisal needed)
• Non-perm allowed
Credit Report - Must be merged into the LOS.
Borrowers' ID (Passport or Driver License).
Purchase Contract (if applicable)
Complete Loan Application - Including Income, Employment, & 1st Lien Info
Submission Form Completed.
Copy of 1st Lien Mortgage Statement
Income documents corresponding with the qualifying income type.
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.
Need A Form? You Can Find It Here.
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 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 Add Your Credit Provider
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.
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"
This section shows system administrators how to setup their account so that loan officers can merge/pull credit using their unique credit credentials.
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 your credit provider
6. Select "User" from the drop down menu next to the credit provider.
7. Scroll up and select "User" from the drop down menu next to the "Set Credentials Source Type To All Contacts" button.
8. Click the "Set Credentials Source Type To All Contacts"
9. Select "Confirm"
10. Select "Save Changes"
11. Select "Credit Report"
12. Select "Activate Action"
13. Select "Save Changes"
This section is to show loan officers, processors, and other non-system admin users how to add their credit provider credentials.
1. Select your name on the top right hand corner.
2. Select "Profile"
3. Select "Edit Profile"
4. Select "Actions"
5. Enter your credit provider credentials
6. Select "Save Changes"
