Loans up to $3 million with a minimum of $100,000

Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing

Short-term rentals allowed (AirDNA reports accepted)

DSCR < 1.0 and No DSCR options available

No income or employment required; qualifications based on property cash flow

Max of five loans with AOMS; exceptions considered when there are more than five loans

No limit on total number of financed properties a borrower can own

First time home buyer (FTHB) not allowed

Properties can vest title in LLC, S corp, C corp, or revocable trusts

Permanent and non-permanent residents allowed

Interest-only available; gift funds okay

Up to 6% seller concessions

Warrantable, non-warrantable, and condo hotels allowed

We currently offer business purpose loans from approved clients who may hold an active license in some states but not the one for the subject property. The states for which this may apply are AL, CO, CT, FL, GA, IN, LA, MO, NC, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, and WI.