The full Non-QM lineup.

Loan Amounts: From $500K to $30MM

Construction & Bridge Financing — NEW: Ground-Up & Mid-Construction (California Only). Finance projects from start to finish, including spec builds.

Bridge Loans: No max DTI: Smooth transitions between properties without income constraints.

Cross Collateralization: Maximize real estate portfolio for greater leverage.

Departing Residence Solutions: Omit departing residence from DTI, even when cash out for purchase was utilized (Bridge, HELOC) — OR if property is being retained, utilize 75% of market rents without a lease agreement. Easier qualification when upgrading or relocating.

Pledged Assets: Up to 90% LTV: Preserve liquidity while maximizing leverage.

Reverse 1031 Exchange Loans: Tax-efficient investment transitions (Axos-approved accommodator required).

Vesting in Entities: LLCs, S-Corps, Partnerships, Privacy Loans (all occupancies acceptable). Ideal for investors and business owners.

Asset Depletion: New formula (Net assets ÷ 84) — Business Funds allowed. Qualify using liquid assets, not just income.

Bank Statement Loans: Loan amounts over $5MM — tailored for self-employed or non-traditional income borrowers.

Up to 75% LTV

Minimum FICO 640

2–10 Unit

2–8 Unit Mixed Use

Use of AirDNA (Short Term Rental) & 1007

Condotel, 2–8 unit Mixed-Use and STR allowed

True No Ratio up to 75% LTV — NO income, NO DSCR

3 Bank Statements up to 85 LTV or 12 Statements up to 90 LTV

True P&L Only up to 80 LTV (no bank statement required)

1Yr 1099 or Tax Return

CES 12Mo P&L Only now available

HELOC up to 95 CLTV

Available for Bank Statements & Full Doc

Up to $10M

ITIN up to 90% LTV / 70% LTV on DSCR

Foreign National up to 75% LTV on DSCR

DACA, C08 and SSN on W2 Eligible

No credit and limited credit borrowers allowed

Non-occupant co-borrowers allowed

1 year tax return / 1 year self-employed program

Cash out proceeds can be used as asset depletion income — a possible reverse mortgage alternative

Non-warrantable Co-ops, Condotels, and Condos including small units under 500 sq ft, studios, efficiencies, lofts, kitchenettes, etc.

Unpermitted additions, unpermitted ADUs or multiple ADUs

Manufactured outbuildings or multiple manufactured outbuildings

Multi-units with ADUs

Mixed use and other zoning

Deed restrictions

Properties with greater land value than structure value

Homes on acreage and hobby farms with no acreage limit

Vineyards with wineries

Properties with agricultural and other exemptions

Seasonal and off-grid properties

500 Minimum FICO

Purchase, Rate/Term & Cash-Out

First-Time Homebuyers allowed (580+ FICO)

65% LTV

60% LTV Cash-Out

Use Cash-Out for reserves

Loan Amounts up to $1.2M

SFR, 2–4 Unit, PUD & Condo

Max 45% DTI

Commercial: Small Balance $500K – $5M · High Balance $5M – No Limit

DSCR Seconds: 660+ FICO · No license required in 35 states

DSCR — Rural: 620 FICO · 85% LTV · Not reported on credit · First Time Investors · Up to 8 units · Non-standard terms (11–29) · STRs (12mo experience in 3yrs)

Seconds: Up to $750K · AVMs · Properties with solar · 2nd Homes & Investment · 85% CLTV

JUMBO: 90% LTV — Non-Warrantable Condos · FICO 660 · 2:1, 1:0 Buydowns

Non-QM: 90 LTV · ITIN · Bank Statements · 1yr self-employed · Foreign National · Asset Qualifier · Non-standard terms (11–29) · Private Party VORs · No Reserves · Bank Statements · P&L · No Expense Factor · 12 NSF allowed in 12Mo