PROGRAM HIGHLIGHTS:

• 12/24 months complete business bank statements from the same account

• Borrower must only own at least 25% of the business

• Business/personal bank accounts addressed to a DBA, or personal

accounts with evidence of business expenses may be used

• 3 expense ratio methods: 1) Standard Expense Ratio (50 %) 2) Expense letter from borrower’s CPA or licensed tax preparer 3) P&L statement prepared by CPA or licensed tax preparer

• Eligible Paypal deposits ok

• 3 NSFs ok Overdraft Protection ok

PROGRAM HIGHLIGHTS:• Letter from a Foreign CPA or letter from employerproviding income for the last 2 years and YTD earnings

• 1 bank reference letter and 1 credit reference letter fromfinancial institution

• No Income Option, DSCR = 1007 rent / PITIA

• Max DTI 43%

• Foreign National borrowers (any country allowed)

FOREIGN NATIONALSLETTER FOR INCOME OR NO INCOME LTV - UP TO 65% FROM $ 100 000 TO $ 2 000 000