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QM lending in FL, GA, MD, PA, TX · Non-QM and Commercial nationwide.
Group 1
Conventional / Government
Conventional 30-yr
Fannie Mae / Freddie Mac, 3% down for first-time buyers, no MI past 78% LTV.
FHA
3.5% down, flexible credit, MIP for the life of loan in most cases.
VA
$0 down for eligible veterans + active duty. No MI. Funding fee in lieu.
USDA
Rural development loans, $0 down in qualifying census tracts. Income-capped.
Jumbo
Above county conforming limit. Multiple investors compared for best execution.
Group 2
Non-QM (Self-employed, Investor, Foreign National)
DSCR
Debt-Service Coverage Ratio loans for investment properties. Cash-flow qualifies.
Bank statement
12 or 24 months business/personal statements in lieu of W-2s.
Asset depletion
Qualify on liquid asset base. No income docs.
P&L only
CPA-prepared profit/loss in lieu of returns.
Foreign national
No US credit, no SSN required for qualified investors.
ITIN
Tax ID alternative to SSN for non-citizen residents.
Group 3
Commercial & Bridge
Fix & flip
12–18 month interest-only on acquisition + rehab. Funded in days.
Bridge
Buy-before-you-sell. Cross-collateralized when needed.
Multifamily 5+
Apartment buildings 5 units and up, agency or balance-sheet.
SBA 504 / 7(a)
Owner-occupied commercial real estate with low down.
Construction
Ground-up construction-to-perm with single close.
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