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Let Allianze Mortgage Services be your one-stop solution for all things Non-QM. From bank statements to P&Ls to Investor No Doc loans, we offer a variety of solutions to meet the needs of every borrower. Our Flex Loan programs are designed for unique borrowers of all backgrounds. See below highlights |
Flex Select Prime PLUS
- 90% LTV Bank Statement, Alt Doc to $2.5M
- 95% LTV, Full Doc to $1.5M
- Min FICO 680
- Max Loan $4M
- Gift Funds Allowed
- 30-Days Asset Verification
- 40-Year Fixed Terms
- Interest-Only to 90% LTV
- Purchase, Rate and Term, Cash Out
- Cash Out: Unlimited Cash in Hand
- FTHB – Not Allowed
- Borrowers: US Citizens, Permanent Residents, Non-Permanent Residents
Flex Select Prime > Prime > Expanded Credit
- 12 to 24-Months Bank Statements
- 2-Months Bank Statements With a CPA or Tax Preparer P&L
- P&L ONLY
- 1099s
- WVOE and W2s
- Max 90% LTV
- Min FICO 580
- Max Loan $4M
- 12+ Months Derogatory Credit Seasoning
- Up to 0x90x12
- Purchase, Rate and Term, Cash Out, Debt Consolidation
- Up to $1M Cash in Hand
- SFR, Mixed-Use, 2-4 Units, Condos,
- Gift Funds Allowed
- Borrowers: US Citizens, Permanent Residents, Non-Permanent Residents, ITINs
Terms
- 5/6 and 7/6 ARMS
- 15-Year Fixed
- 30-Year Fixed
- 40-Year Fixed
- 5/6 and 7/6 Interest Only
- 30 and 40-Year Interest Only
- Interest-Only Period, 10 Years
- 40-Year Fixed
DSCR Flex Investor 1-4 Units Residential
First-Time Investors and Experienced Investors
- Max 85% LTV
- Max $5M Loan
- Min $100K Loan
- Min FICO 600
- Min DSCR .75
- Purchase, Rate and Term, Cash Out
- Max Cash Out 75% LTV
- First-Time Investors Allowed (Must Own a Primary Residence)
- Interest-Only Options Available
- Stabilize DSCR with Interest-Only Feature
- 40-Year Term Available With Interest Only
- Housing History: Up to 1x30x12
- Housing Event Seasoning: 24+ Months
- Gift Funds Allowed (Min 10% Borrower Contribution
- Close in LLC or Corporation
