No Doc Programs

Nationwide

• No FICO Required
• No Credit Checks or Soft Credit Pull
• No Income Verification
• No Seasoning
• No 3rd Party Appraisals 
• No Experience Rehab & Construction
• No Payments on Rehab & Construction
• Loan Amounts - $350k - $5M
• Purchase, Refinance, Cash Out
• Residential 1 - 4 rentals & 5+ unit multifamily (A & B Class preferred) 
• Loan Term - 12 mo - 24 mo
• Rates - from 9.99% I/O 
• Prepayment Penalty - 0 - 6 mo
• Origination Fee - 2 - 3% 
• LTV - up to 80% Purchase, 75% Cash Out  
• Closing - from 3 - 5 days to 30 days
• DSCR- 0 to 1.15 min
• Bridge, Rehab & Construction, 1-4's, Commercial & Land loans available in CO, TX, TN, GA, 100% Asset Based
  

California

• No Minimum FICO, Soft Credit Pull
• No Income Verification
• No 3rd Party Appraisals 
• Loan Amounts - $250k - $5M, $1M min on CA Development Loans
• Purchase, Refinance, Cash Out 
• Residential & Commercial
• Cannabis RE Loan to $10M (Dispensary, Manufacturing, Cultivation) 
• Purchase, Refi, Cash Out, Rehab & Construction & Development
• Loan Term - 12 mo (extension option)
• Rates - from 9.99% I/O 
• Prepayment Penalty - 6 mo
• Origination Fee - 3 - 4% 
• LTV - up to 65% 1st Position and             60% CLTV 2nd
• Closing - in as little as 5 days
• Defaults, foreclosure bail-outs, and bankruptcies OK
• Rural lower LTVs on a case-by-case

• Programs Brokered By REI
  

Florida

• No Minimum FICO
• No Personal Income Verification
• No Tax Returns
• Appraisals required - may accept current appraisal
• Loan Amounts - $250k - $5M
• Purchase, Refinance, Cash Out 
• Residential & Commercial
• Purchase, Refi, Cash Out & Rehab
• Loan Term - 12 mo (extension option)
• Rates - from 9.99% I/O 
• Prepayment Penalty - 6 mo
• Interest Reserves Available
• Origination Fee - 3 - 4% 
• LTV - up to 65%
• Closing - in as little as 3- 5 days