There's a type of loan for every type of borrower.
Our suite is products is built around flexibility. We offer multiple types of loans that can be customized to meet almost any scenario. Ready to get started? Become a partner, or contact us, today.
1099 & WVOE Only
If you are self-employed or an independent contractor looking for access to quick funds without having to go through the lengthy loan approval process, our 1099 & WVOE Only loan may be your best option.
Loans up to $4 Million
$4 Million 65% LTV max with 6 months reserves
$3.5 Million 75% max with 12 months reserves
Purch-R/T up to 90% LTV on 1099
Purch-R/T up to 80% LTV on a WVOE
12-24 Months Bank Statements
The flexibility offered from the 12/24 Month Bank Statement loan provides the opportunity to self-employed borrowers who are looking to purchase a property but do not have the traditional proof of income to obtain the loan they are in need of.
Loans up to $4 Million for Primary to 65% LTV
Loans up to $3 Million for Secondary to 80% LTV
Loans up to $3 Million for Investment to 75% LTV
Purch-R/T up to 90% LTV
Cash Out up to 80% LTV
2nds
Our closed ends second mortgage provides an excellent opportunity for borrowers who are looking to finance a second home but do not have the capital necessary on hand.
Credit Scores starting at 660
Loans starting at $75k up to $350k
Max total combined liens $1.5M
Up to 90% CLTV Full Doc or 85% Bank Statement
Bank Statement or Full Doc
Asset Depletion
If you are an someone who is looking to purchase a property and have significant verifiable assets, look no further. The Asset Depletion loan is a great way for borrowers to utilize the equity from their assets as collateral to obtain the loan they are in need of.
Loans up to $4 Million for Primary to 65% LTV
Loans up to $3 Million for Secondary to 80% LTV
Loans up to $3 Million for Investment to 75% LTV
Purchase up to 90% LTV
Cash Out up to 80% LTV
DSCR
The alternative qualification methods and low FICO minimum make the Amres DSCR a one of kind financing solution for borrowers of all kinds. Our DSCR program is designed for experienced real estate investors and qualified borrowers based on cash flows solely from the subject property.
Minimum of 580 FICO
Loans up to $3 Million
No minimum DSCR ratio
Purchase up to 85% LTV
Investment properties only!
DSCR Multi-Units
The Amres DSCR Multi-Unit a unique solution for experienced investors who are looking for the acquisition and financing for 5-8 unit residential investment properties and 2-8 unit mixed-use investment properties.
Credit scores starting at 660
Loans up to $3 Million
Minimum qualifying DSCR 1.0
Up to 75% LTV on Purchases
Cash-out up to 70% LTV with 700 FICO
Foreign National
This specialized loan is offered to international buyers who are in need of financing for a residential property, but may not qualify for a traditional mortgage.
No FICO Available
Standard Maximum DTI 50%
Loans up to $2 Million
Purch-R/T up to 75% LTV with 680 Fico
Cash Out up to 70% LTV with 680 Fico
Full Doc 1-2yr
Calling all self-employed borrowers, small business owners and other individuals in need of a short term loan. The Full Doc 1-2 year loan is a great option for those who are looking to purchase and/or renovate a property while being able to avoid high interest on payments.
Loans up to $4 Million for primary to 65% LTV
Loans up to $3.5 Million for Secondary to 75% LTV
Loans up to $3.5 Million for investment to 70% LTV
Purch-R/T up to 90% LTV
Cash Out up to 85% LTV
ITIN
Designed for individuals who can't obtain an SSN, an ITIN loan is a great option for those who may not be able to qualify for traditional mortgage loan.
Purch-R/T Up to 85% LTV available
No Credit/Alt Trade Accepted
All Doc Types
Gift Funds Permitted
Minimum of 6 months reserves required
P&L Only
Are you looking to qualify for a loan but have not yet filed your tax returns? Our P&L Only loan may be your best option.
Loans up to $4 Million for Primary to 70% LTV
Loans up to $3.5 Million for Secondary to 70% LTV
Loans up to $3 Million for investment to 70% LTV
Purch-R/T up to 85% LTV
Cash Out up to 80% LTV
Ready to gain access to our powerful suite of lending programs?
