THEMONEYDOOR

Twenty doors. One text.

Twenty doors. Pick yours.

Sub-1.0. $1.5M no-ratio. 85% purchase. DSCR down to 0. Blanket to $6.25M. Guidelines, not guarantees. Send the deal and we will tell you which door opens.

Conventional. No hit to the rate.

90% at 660

Primary cash-out. No hit to the rate

90% cash-out at 660. 80% at 620. Conventional. No hit to the rate.

  • Primary residence cash-out refinance
  • Up to 90% LTV with a 660+ FICO
  • Up to 80% LTV with a 620+ FICO
  • Conventional guidelines
  • No hit to the rate
Read the guideline

No hit to the rate

Second home. No hit to the rate

90% purchase at 660. 85% cash-out at 660. No hit to the rate.

  • Purchase and rate-and-term: up to 90% LTV with a 660+ FICO
  • Cash-out refinance: up to 85% LTV with a 660+ FICO
  • Up to 80% LTV with a 620+ FICO
  • Conventional guidelines
  • No hit to the rate
Read the guideline

More DSCR.

600 at 60%

Credit-tier DSCR

600 FICO at 60% LTV. 620 at 65%, cash-out included.

  • 600 FICO at 60% LTV
  • 620 FICO at 65% LTV, including cash-out
  • Stronger borrowers can reach 85% purchase or 80% cash-out
  • No-ratio options available

No reserves

No-FICO DSCR

No FICO. No DSCR floor. No reserves. 30-year fixed.

  • No minimum FICO. No FICO required
  • No minimum DSCR
  • No reserves
  • 30-year fixed
  • Purchase and refinance, including cash-out
  • For substantial equity and a credit problem

To $4M

DSCR to $4M

620 FICO. 85% LTV. DSCR down to 0. Loans to $4M.

  • 620 minimum FICO
  • 85% maximum LTV
  • DSCR down to 0
  • Loans up to $4 million
  • First-time investors up to 80% LTV
  • First-time homebuyers allowed
  • Short-term rentals and vacant properties eligible

80% CLTV

Rent-free and first-time DSCR

620 FICO. Up to 80% CLTV. STR to 80%. Cash-out can be reserves.

  • For rent-free borrowers and first-time homebuyers
  • 620 minimum FICO
  • Up to 80% CLTV
  • No-ratio options
  • Short-term rentals up to 80% CLTV
  • Cash-out proceeds can serve as reserves

10 years IO

40-year interest-only DSCR

85% purchase. DSCR to 0.75. Qualify on the IO payment.

  • Up to 85% purchase
  • 80% rate-and-term
  • 75% cash-out
  • DSCR down to 0.75
  • Separate no-ratio options
  • 40-year term with 10 years interest-only
  • Qualifies on the interest-only payment

To $6.25M

640 DSCR / blanket

85% purchase. No DSCR floor. 2–25 properties to $6.25M.

  • 85% purchase
  • No-ratio option with no DSCR floor
  • 640 minimum FICO
  • 40-year and interest-only options
  • Separate blanket for 2–25 properties
  • Up to $6.25 million

Investor. Business purpose.

No DSCR

Investor no-ratio

No FICO. No DSCR math. Foreign nationals and ITIN.

  • No minimum FICO
  • No DSCR calculation
  • One day out of bankruptcy
  • Foreign nationals and ITIN eligible
  • Up to $1.5M, 55% CLTV, 30-year fixed
  • Minimum $125K loan and $150K property equity
Read the guideline

DSCR < 1.0

Flexible DSCR

620 FICO. DSCR under 1.0. First-time investors. STR. ITIN.

  • Starting at 620 FICO
  • Up to 80% CLTV
  • Highest representative score when there are multiple borrowers
  • First-time buyers and first-time investors
  • Short-term rentals and ITIN
  • DSCR below 1.0 eligible
  • Reserves start at three months
Read the guideline

500 FICO

Bridge cash-out / foreclosure bailout

500 FICO. $100K to $5M. Poor condition considered.

  • 500 minimum FICO
  • $100K–$5M loans
  • Up to 50% LTV cash-out
  • Mixed-use and multifamily considered
  • Properties in poor condition considered
Read the guideline

No job docs

DSCR HELOC

The rent qualifies the line. No job. No personal income.

  • Up to $1M first lien
  • Up to $500K second lien
  • Qualifies on property cash flow
  • No personal income or employment documentation
Read the guideline

No HOA cap

Non-warrantable condos

No HOA reserve rule. No investor-concentration cap.

  • No HOA budget reserve requirement
  • No investor-concentration cap
  • Multiple income-documentation options
Read the guideline

Homeowner.

No FICO

Owner-occupied no-ratio

No FICO floor. No income. No DTI. One day out of bankruptcy.

  • Primary and second home
  • No minimum FICO
  • No income or DTI calculation
  • One day out of bankruptcy
  • Mortgage lates allowed
  • Up to $1.5M and 55% CLTV
Read the guideline

To $1M

Bank-statement HELOC

Up to $1M. Bank statements. Assets. LLC. Non-warrantable.

  • Up to $1M
  • Bank-statement qualification
  • Asset utilization
  • LLC vesting
  • Non-warrantable condos allowed
Read the guideline

3.5% down

Alternative home purchase

600 FICO. 3.5% down. 40-year term.

  • 600 minimum FICO
  • 3.5% minimum down
  • 40-year term
  • Subject to that program’s own requirements

To $2M

Expanded Non-QM

620 FICO. Two-year credit events. Up to $2M. 40-year term.

  • 620 FICO
  • Two-year seasoning on major credit events
  • Primary wage earner’s credit score
  • Up to $2M loan or cash-out
  • 40-year options

Income tools.

600 or no score

Flexible-credit Non-QM

600 FICO or no score. 60% DTI. 100% gift funds.

  • 600 FICO or no score
  • Up to 60% DTI
  • 100% gift funds
  • Alternative income documentation
  • Up to 85% LTV primary and second home
  • 75% investment, 65% vacant land
  • Credit-event seasoning has to be confirmed
Read the guideline

$15K / mo

Property equity as income

$1.5M of eligible equity can count as $15K a month.

  • 60% of eligible property equity, divided by 60 months
  • $1.5M eligible equity produces $15K monthly qualifying income
  • Can be combined with other eligible income
Read the guideline

90% LTV

W-2 to 1099

No 1099 history. No expense factor. Up to 90% LTV.

  • No minimum 1099 history
  • No expense factor
  • Up to 90% LTV
  • Full documentation required
  • Built for borrowers without business expenses
Read the guideline