- Full Doc & Alt Doc Options
- 660 Minimum Credit Score
- Up To 90% LTV For Purchases
- Up To 80% LTV For Cash-Out Refinances
- Loan Amounts Up To $5M
- Allowed 0x30x12 Housing History
- Primary, Secondary & Investment Properties
Loan Programs
Rainier Non-QM
- Full Doc & Alt Doc Options
- 700 Minimum Credit Score
- Up To 80% LTV For Purchases
- Up To 75% LTV For Cash-Out Refinances
- Loan Amounts Up To $2.5M
- Allowed 0x30x24 Housing History
- Primary, Secondary & Investment Properties
Sequoia Non-QM
Sequoia Non-QM Expanded
- Full Doc & Alt Doc Options
- 620 Minimum Credit Score
- Loan Amounts Up To $2M
- Allowed 1x30x12 Housing History
- Primary, Secondary & Investment Properties
Sequoia Non-QM ITIN
- No Social Security Number Required
- Qualify With All Doc Types: WVOE, 12/24 Month Business or Personal Bank Statements, 1099, CPA Letter or CPA Gross Receipts
- Credit Scores as low as 660
- Up to 80% LTV
Olympic Closed-End Second
- Full Doc Only
- 85% Maximum CLTV/HCLTV
- 660 Minimum Credit Score
- Loan Amounts from $75k-$500k
- 10, 15, 20, & 30 Year Fixed
- Up to 5% QM Points & Fees
- Available on Primary Residences
- Not Available in MA, MN, MS & SD
Sequoia DSCR
- DSCR Ratio => 1.00
- Short & Long Term Rental Options
- 1-4 Units
- 640 Minimum Credit Score
- Up to 80% LTV For Purchases
- Up To 75% LTV For Cash-Out
- Loan Amounts Up To $2.5 Million
- Foreign Nationals Allowed *See Matrix For Details
States that do not require licensing on a DSCR loan are AK, AL, AR, CO, CT, DE, FL (if closing in the name of an LLC), GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NH, NM, NC, OH, OK, OR, RI, SC, TN, TX, UT, WA, WI, WV, and WY