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.
Minimum of 600 FICO
Loans up to $4 Million to 70% LTV Max
Purch-R/T up to 90% LTV for both
Cash out max 80% for both 1099 and WVOE
Qualify with 90% of the gross 1099 from last year for both 1 year or 2 year 1099
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.
Minimum of 600 FICO
Loans up to $4 Million for Primary to 70% LTV
Loans up to $4 Million for Secondary to 70% LTV
Loans up to $3.5 Million for Investment to 75% LTV
Purch-R/T up to 90% 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 640
Loans starting at $50K up to $500k
Max total combined liens $4M
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.
Minimum of 600 FICO
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
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 620 FICO
Loans up to $3.5 Million
No minimum DSCR ratio
Purch-R/T 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 5-10 unit residential investment properties.
660 Min FICO
Loans up to $3.5 Million
Minimum qualifying DSCR 1.0
Purch-R/T up to 75% LTV
Cash-out up to 70% LTV
Fix & Flip
Whether you're a seasoned pro or a first-time investor, the Fix & Flip loan offers the funding you need to purchase and renovate all in one loan.
As low as 15% down payment
Up to 100% rehab budget
Closing in 10-15 days
Up to 85 LTC on Ground Up construction
Can acquire land with construction costs
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 $3 Million
Purchase up to 75% LTV
Cash Out up to 65% LTV
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.
Minimum of 600 FICO
Loans up to $4 Million for primary to 70% LTV
Loans up to $4 Million for Secondary to 70% LTV
Loans up to $4 Million for investment to 70% LTV
Purch-R/T up to 90% LTV
Ground-Up Construction
With our business-purpose construction loans, you can get quick access to the funds you need for your next project!
Loans up to $5 Million (on a case by case basis)
Up to 85% LTC
Up to 70% LTV
Interest-only payments based on amount drawn
Land purchase can be included in the loan
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
Recent credit events allowed
Non-Warrantable Condo
It can be frustrating for borrowers when they find out that the condo they are looking at is classified as non-warrantable, but fear not! Whether you are a first time investor or a seasoned veteran, we can provide the solution for all of your investment property needs.
100% investor concentration
Up to 90% LTV
Available on all doc types
Condotels allowed
Available to first time investors
P&L
Are you looking to qualify for a loan but have not yet filed your tax returns? Our P&L loan may be your best option.
Minimum of 600 FICO
Loans up to $4 Million for Primary to 70% LTV
Loans up to $4 Million for Secondary to 70% LTV
Loans up to $3.5 Million for investment to 75% LTV
Purch-R/T up to 90% LTV
Ready to gain access to our powerful suite of lending programs?
