PROPERTY TYPES 1-4 family homes (primary residences, second homes, investment properties), Condos, Co-ops, multifamily and some commercial real estate assets (some mixed-use with no more than 25% of the SF comprised of retail)
LOAN TERM Typically, 30 years (shorter terms available)
AMORTIZATION Typically, 30-year schedule
INTEREST ONLY PERIOD Up to 5yrs initial IO
LOAN TO VALUE Up to 70% LTV
PREPAYMENT Typically, no prepayment penalty
BORROWER CREDIT SCORE Minimum 650 FICO Score (exceptions on a case-by-case basis)
BORROWER DEBT-TO-INCOME RATIO 100% or greater DTI for Business Purpose and investment property loans. DTI calculated using all income sources, including alternative income. Typically, 50% or below for primary residences.
BORROWER CASH OUT No maximum
SECURITY First mortgage lien with borrower recourse

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