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Check out our No Income Verification Program, Click Below

CashFlow Program

We are delighted to announce another innovative program to help homeowners with mortgage financing. The Cashflow program is designed for those that generate income from their investment property.

Business Purpose Loans: For the purchase of a rental property or refinance a rental property with proceeds for bonafide business use.

  • Declaration of intent to Proceed: Applicants must submit the fully completed Declaration at the time a completed Application is received
  • Source of income for repayment:

Limited to subject property’s income at:
-75% for 1-4 Family homes; or
-90% for condos and co-ops
Such income is to cover loan’s PITI expenses (+ HOA or Maintenance) in full. Subject’s rental income to be determined via: Existing leases; RE broker’s estimate of rent and existence of a listing to sublet.

Title to property: Must be in the name of corporation, LLC or partnership

  • Borrower: Entity in Title
  • Guarantor(s): Must be a natural person who will be an officer or member of the Borrower (Entity in Title).
  • Maximum LTV: Call us for max Loan To Value allowed. For purchase – 65% and for Refinance 60% with credit score of 700. Lower LTV with lower credit scores etc. Floor: 45%.
  • Pricing: Contact us for pricing
  • Credit (Guarantor’s credit):
    -Not more than 2×30 mortgage lates in prior 12 months unless mitigating circumstances or compensating factors exist.
    -Minimum credit score is 620.
  • Closing
    -Authorized officer and the Guarantor must attend the closing.
    -Closing Declaration For Rental Property Loan must be signed by both.
    -Borrower’s attorney must attend the closing and execute the appropriate portion of the Closing Declaration.

Contact us at 800-535-0270 for more about innovative programs or email us.



*This product is not regulated by the New York State Department of Financial Services

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