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.

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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 to 70% LTV Max
Purch-R/T up to 90% LTV on 1099
Purch-R/T up to 80% LTV on a WVOE
Cash out max 80% for both 1099 and WVOE
Secondary & Investment loans up to $4 Million on 1099 and WVOE
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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 70% LTV
Loans up to $3.5 Million for Secondary to 75% LTV
Loans up to $3.5 Million for Investment to 75% LTV
Purch-R/T up to 90% LTV
Cash Out up to 80% LTV
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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 $550k
Max total combined liens $2.5M
Up to 90% CLTV Full Doc or 85% Bank Statement
Bank Statement or Full Doc
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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 70% LTV
Loans up to $3 Million for Secondary to 80% LTV
Loans up to $3 Million for Investment to 80% LTV
Purchase up to 90% LTV
Cash Out up to 80% LTV
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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 575 FICO
Loans up to $3.5 Million
No minimum DSCR ratio
Purch-R/T up to 85% LTV
Investment properties only!
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DSCR Multi-Units
The Amres DSCR Multi-Unit a unique solution for experienced investors who are looking for the acquisition and financing for 5-10 unit residential investment properties and 2-8 unit mixed-use investment properties.
Credit scores starting at 660
Loans up to $3.5 Million
Minimum qualifying DSCR 1.0
Purch-R/T up to 75% LTV
Cash-out up to 70% LTV
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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 $2.5 Million
Purch-R/T up to 75% LTV
Cash Out up to 65% LTV
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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 70% LTV
Loans up to $3.5 Million for Secondary to 75% LTV
Loans up to $3.5 Million for investment to 75% LTV
Purch-R/T up to 90% LTV
Cash Out up to 85% LTV
See All Program Features
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.
Purchase up to 85% LTV available
No Fico or trades up to 75% LTV
All Doc Types
Gift Funds Permitted
Minimum of 3 months reserves required
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