• 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

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

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

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

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

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

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

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.

An alternative for experienced real estate investors who can qualify on the subject property cash flow.

• 80% max LTV
• 640 min FICO
• .90 min DSCR
• $3M max loan amount
• Purchase, Rate & Term and Cash Out
• Fully amortizing, interest only, fixed and ARMs