Key features:

  • Up to 90% LTV  
  • Up to $3,000,000 maximum loan amount  
  • $100,000 minimum loan amount 
  • 640 minimum FICO score  
  • Fixed terms and ARMs available  
  • Interest-only ARMs option available (30 and 40-year)
  • Primary residence, second homes, and investment properties  
  • Up to 50% DTI  
  • 6-12 months’ reserves  
  • 1-4 units, PUDs, and warrantable condos 
  • Unlimited cash out available
  • First Time Homebuyers eligible

Additional Products in the Two-X Flex Suite

Two-X Flex Full Doc

A full-document product that allows your unconventional borrowers to qualify with two years of income documentation and expanded qualifying ratios.

  • Two years of full income documentation
  • RSUs permitted
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Two-X Flex 1 Year

This option allows some of your borrowers to qualify based on as little as one year of income documentation.

Key features:

  • 12-23 months self employment with 2 year history in same business
  • Variable incomes now permitted
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Two-X Flex Bank

With no tax returns or 4506 required, self-employed borrowers can qualify using bank statement deposits.

Key features:

  • Income calculated based on 12 or 24 months deposits from personal or business account
  • Up to 100% of deposits
  • Up to 3 businesses permitted
  • One borrower must be self employed
  • 1099 employment accepted
  • W2 co-borrowers income allowed
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Two-X Flex Asset

With Two-X Flex Asset, your borrowers may qualify solely on their existing assets with no employment needed. This can also be combined with the Two-X Flex Product.

Key features:

  • Independent contractors or commissioned employees permitted
  • Single source or multiple sources of 1099 income
  • Income calculated based on 1 on 2 years 1099s
  • W2 converted to 1099 accepted
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Two-X Flex 1099

With Two-X Flex 1099, your borrowers may qualify using single source or multiple sources of 1099 income.

Key features:

  • Independent contractors or commissioned employees permitted
  • Single source or multiple sources of 1099 income
  • Income calculated based on 1 or 2 years 1099s
  • W2 converted to 1099 accepted
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Two-X Flex P&L

This product may allow your borrowers to qualify with as little as 12 months of self-employment income from profit and loss (P&L) statements.

Key features:

  • 12 or 24 months P&Ls required
  • W2 co-borrower income allowed
  • ≥12 months of self-employment income for P&L statements
  • Up to 3 businesses permitted
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Two-X Flex Expanded

Two-X Flex Expanded is designed to extend borrowing opportunities to more hopeful homeowners.

Key features:

  • FICO scores as low as 640.
  • Missed payments due to COVID forbearance.
  • Bankruptcies or foreclosures, short sales, and more.
Download Flyer Download Matrix

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