Loan Scenarios

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Self-Employed borrowers can use  12 or 24 months bank deposits (Statements) to determine monthly income.  No paystubs, W2's or tax returns are required. Loan Amounts up to $7.5M. 

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For experienced investors only, borrowers can qualify for the DSCR loan, only using the future rent  / lease as income only. This loan is used for a purchase and keep investment opportunity . 

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Most programs allow a debt-to-income (DTI) ratio up to 50% of the borrowers gross income. Liquid assets can be used as income to keep the DTI at 50% or less.   Liquid assets can also be used when there is no income.

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Brad and his team have extensive background working with self-employed and entrepreneurial  borrowers.   When other lenders say no,  Brad's team can often say Yes!  "To date, we have helped 1000's of dreams become real.  We always strive to close on time - every time".

C2 Financial Corporation is the nations #1 largest brokerage.  Due to its nationwide volume, over 50 wholesale lenders specializing in NonQM, Jumbo, Agency and government programs  offer  the brokerage Tier 1 (lowest) Rates.

Possible Loan scenario

• Self-Employed 2+ years
• W2 - Full  income 
• Only 1 years tax returns
• Crypto currency 
• Cannabis income (licensed) 
• Recent credit event (BK, SS, FC)
• Investors seeking debt-service loans
• Loan amounts up to $6.0MM

Loan Types

• 30  year fixed & 40 year fixed 
• ARM terms
• Interest only option - 40 year loan
• Primary, second or investment 
• Single family up to 4 units