What is No Ratio Investor?
The No Ratio Investor Loan program is designed with the savvy investor in mind. Catering specifically to non-owner-occupied business purposes, this program allows your borrowers to leverage up to 65% LTV, with loan amounts that range from $75K to a hefty $3M. What sets it apart? There’s no need for income ratio verifications. The focus here is on credit, with a minimum requirement of 700, taking into account the lowest middle score from all borrowers. With a cushion of 3+ years for those recovering from a past credit event and a stellar record of timely mortgage payments, this program offers both flexibility and trust.
Need a No Ratio Investor loan scenario review?
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- Up to 65% Max LTV
- Loan Amounts: $75K–$3M
- Purchase, Rate and Term, Cash Out
- NOO Business Purpose
- Min FICO Score of 700, Qualifying off Lowest Middle Score of All Borrowers
- Qualification Based on FICO and LTV Max 3 Years of Seasoning From a Recent Credit Event
- 0x30x12 Late
- LLC or Corporate Title Vesting at Closing Eligible With Natural Person
- U.S. Persons