Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
No 4506C/No Paystubs/
No W2’s/No Tax Returns
Must be S/E for 2 years
P & L must be completed and
signed by a CPA/EA
P & L covering the prior calendar year and
a YTD P & L for the current year
Min Expense Factor : 20% for Service Business
or 40% for a Product Business
Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand 500k
Employment and Income NOT listed on 1003
Cash in Bank 100% | Stocks/Bonds
/Mutual Funds 90% | IRA’s/401k 80%
Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
6 Months Statements required for each
asset being used for qualifying
Can NOT use Business Funds or Crypto
Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand 500k
12 or 24 Month Bank Statement Options
Min FICO 660
Max Loan Amount $3M
Up to 80% LTV Purchase & R/T | 70% C/O
Gift Funds Allowed
Cash out can be used as reserves
FTHB okay!
Up to 55% DTI
Must be S/E for 2 years
30 & 40 YR I/O
Personal or Business Bank
Statements allowed
Min FICO 660
Max Loan Amount $3M
Up to 80% LTV Purchase & R/T | 70% C/O
Gift Funds Allowed
Cash out can be used as reserves
FTHB and First Time Investors Allowed
Vacant Properties okay
1x30x12 allowed
Min DSCR .75
Bankruptcy seasoning as low as 12 months
DSCR = Gross Rent/PITI
Multiple I/O terms available including
30 & 40 YR I/O
Pick your pre-payment penalty
– None up to 5 years
Foreclosure & Short Sale seasoning
as low as 24 months
Qualification based on subject property
Debt Service Coverage Ratio (DSCR)
Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
No 4506C/No Paystubs/
No W2’s/No Tax Returns
Must be S/E for 2 years
P & L must be completed and
signed by a CPA/EA
P & L covering the prior calendar year and
a YTD P & L for the current year
Min Expense Factor : 20% for Service Business
or 40% for a Product Business
Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand $1M
Purchase & R/T Max 75% LTV
Cash-Out Max 75% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
Transferred Appraisals Allowed
W2 Borrowers: 1 year most recent W2 or
1 year tax returns plus 30 days paystubs
S/E Borrowers: YTD P&L
Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
Transferred Appraisals Allowed
Most recent 2 years tax returns PLUS
W2 Borrowers: WVOE or 30 day paystubs
& 2 years W2’s
S/E Borrowers: 1 year tax returns
and YTD P&L
Purchase & R/T Max 80% LTV
Cash-out Max 75% LTV
Max Cash-in-Hand $1M
Employment and Income NOT listed on 1003
Cash in Bank 100% | Stocks/Bonds
/Mutual Funds 90% | IRA’s/401k 80%
Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
6 Months Statements required for each
asset being used for qualifying
Can NOT use Business Funds or Crypto
Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand $1M
Ask Poli – Fannie Mae
Seller/Service ID 31244
Jet Mortgage is a DBA of Home Mortgage Alliance Corporation (HMAC) NMLS License # 1165808 (www.nmlsconsumeraccess.org).
Jet Mortgage is Direct Seller Servicer of Fannie Mae & Freddie Mac.
BRE License #: 01526821 | DBO License #: 603L284.
California Residential Mortgage Lending Act (CRMLA) License Number – 603L284
California – DFPI Residential Mortgage Lending Act License Number – 41DBO-13449
