Residential Home Loans | Commercial Lending

Non QM | Portfolio | No Ratio

Conventional Loan | FHA | Mixed Used

EASY VOE

Starting at 4.750%
WVOE ONLY
NO TAX RETURN & NO 4506C
NO W-2 & PAYSTUBS
MIN FICO 660
MAX LTV 80%

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EASY P&L

Starting at 4.750%
CPA-SIGNED
​P&L ONLY
NO TAX RETURN &
NO 4506C
NO 1099 & BIZ BANK STATEMENT
MIN FICO 660
MAX LTV 80%

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FOREIGN NATIONAL

Starting at 5.125%
NO EMPLOYMENT & INCOME
INVESTMENT PROPERTY ONLY / CASH-OUT ALLOWED
NO TAX RETURN & 4506C
NO W-2 & 1099 & PAYSTUBS
MIN FICO 620 OR CREDIT REF LETTER
MAX LTV 70%

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FIX AND
​FLIP

Starting at 8.49%
12-Months
(Extended Terms Available)
Loans from $50k to $7.5M
Up to 90% of the purchase price + 100% of renovation cost
​After Repair Value (ARV)

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DSCR     

Starting at 4.875%
NON-OWNER ​
INVESTMENT ONLY
NO INCOME & EMPLOYMENT
NO TAX RETURN & 4506C
NO TRID

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NEW CONSTRUCTION

Starting at 7.99%
​12 – 24-Months
Loans from $100k to $3M
Up to 75% of Initial Advance; Up to 90% Total Loan-to-Cost

Ground Up

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​  BANK STATEMENTS

Starting at 4.750%
NO TAX RETURN &
​NO 4506C
NO W-2 & 1099 & PAYSTUBS
MIN FICO 660
MAX LTV 80%

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True NO Ratio 
​Primary & 2nd

Starting at 5.750%
NO INCOME & EMPLOYMENT
NO TAX RETURN & 4506C
NO W-2 & 1099 & PAYSTUBS
MIN FICO 640
MAX LTV 80%
RESERVE, 3-9ms PITIA
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  Loan Products & Programs

Conventional Loan
​Purchase / Refi

Staring at 3.625%  - 3.749% APR       
​ 30 yrs Fixed

What we Offer 
Residential Home Loans | Commercial Loans |
​Small Business Loans | Hard Money Private Lending 

Mixed Used/Warehouse/Multi-units
Rate start at 4.50% to 5.00%  for 5, 7, 10 years fixed 25 years amortized

Our True No Ratio: The only owner-occupied loan that doesn’t require income, employment, or a DTI ratio to qualify.

[email protected] | Tel: 650-898-2599

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Application

Mortgage

Commercial

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