12/19/2025
REALTORS & REAL ESTATE INVESTORS 🚨
🏠 🏡 💵 💰
Investor Flex 40 Year Matrix - Blue
Loan Terms: 40 Year Interest Only (120 months Interest Only + 360 months fully amortizing)
Max Loan Size: $3,000,000
DSCR Requirements:
≥ 1.00: Max LTV/CLTV/HCLTV 70%, Min FICO 680
≥ 1.20: Max LTV/CLTV/HCLTV 70%, Min FICO 660
≥ 0.80: Max LTV/CLTV/HCLTV 70%, Min FICO 680
Reserves: Based on the ITIA for Interest-Only product
Other Parameters:
No appraisal waivers allowed
Cash out proceeds can be used as reserves
Cash out proceeds limited to $500,000
First-time homebuyers not permitted
Manufactured homes not permitted
Loan must be deemed a business purpose loan and be exempt from the ATR and QM
Temporary buydowns not permitted
Prepayment Penalties: 3/2/1; 2/1; 1/1
Not permitted in West Virginia
All borrowers on the loan must have a FICO score and must meet the FICO requirement
[1]
Investor Flex
Loan Terms: 40 Year Interest Only (120 months Interest Only + 360 months fully amortizing)
Max Loan Amount: $3,000,000
Min Loan Amount: $50,000
Min FICO: 700
Max LTV: 65% (70% when fully amortized)
Min DSCR: 0.80
Min Reserves: 3 months
Other Parameters:
Agricultural zoning ineligible
Prepayment Penalties: 3-year, 2-year, and 1-year
Up to 20 financed properties allowed
Consolidated Collateral Analysis Report (CCA) from Consolidated Analysis can be used as an eligible 3rd party secondary valuation
Fully amortized after 360 months
No appraisal waivers allowed
First-time homebuyers not permitted
Manufactured homes are not permitted
Gift funds are not permitted
Temporary rate buydowns not available
Not permitted in West Virginia or for Texas 50(a)(6)
Not eligible to close in a trust
Mortgage payment history: one 30-day late allowed in the last 24 months
Does not report to personal credit unless loan goes delinquent
[3]
Bank Statement 40 Year Matrix - Blue
Loan Terms: 40 Year Interest Only (120 months Interest Only + 360 months fully amortizing)
Max Loan Size: $3,000,000
Max LTV/CLTV/HCLTV: 75% for Interest-Only product
Min FICO: 700 for Interest-Only product
Min Reserves: 6 months for loan amounts ≤ $2,000,000, 9 months for loan amounts $2,000,001-$3,000,000
Other Parameters:
Max Debt-to-Income ratio 50%
First-time homebuyers not permitted on investment properties
Minimum Loan Amount $100,000
Appraisal waivers not permitted
Second appraisal required for loan amounts > $1,500,000
At least one borrower must utilize bank statements for qualification
Minimum 12 months consecutive bank statements required
Manufactured homes not permitted
Max cash back proceeds $1,125,000
Temporary rate buydowns not available
Not permitted in West Virginia or for Texas 50(a)(6)
[4]
Jumbo 40 Year Matrix - Pink
Loan Terms: 40 Year Interest Only (120 months Interest Only + 360 months fully amortizing)
Max Loan Size: $2,000,000
Max LTV/CLTV/HCLTV: 70%
Min FICO: 680
Other Parameters:
Appraisal Waivers not permitted
Temporary Buydowns not permitted
Minimum loan amount $1 over conforming loan limit. Max loan amount $2,000,000
Maximum Debt-to-Income ratio is determined by DU/LPA, but not to exceed 50%
DU Approve Ineligible feedback / LPA Accept Ineligible Feedback for loan amount or cash-out refinance over 80% LTV only
Not permitted in West Virginia or for Texas 50(a)(6)
All borrowers on the loan must have a FICO score and must meet the FICO requirement
[2]
If you need more specific details or have additional questions, please let me know!
Sources / [1] Investor Flex 40 Year Matrix - Blue, [2] Jumbo 40 Year Matrix - Pink, [3] Investor Flex, [4] Bank Statement 40 Year Matrix - BlueT
