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Keywords: No paystub; No W2; No Tax Return; No 4506-T; No DU/LP Non-QM loans are an alternative to qualified mortgage (QM) loans. More specifically, a Non-QM loan is one that is not required to meet the federal government and Consumer Financial Protectio...

1. For NON-QM loan, the cash out requirement is following: ● Cash out seasoning, AAA Capital defines cash-out seasoning as the difference between application date of the new loan and prior financing note date or date of purchase. ① For properties owned twe...

This program is designed for borrowers who have significant verifiable assets and would benefit from alternative loan qualification methods. Requirement 1- The max DTI is 50% 2- Documents-6 Month personal bank statements 3- Primary Only Advantage 1- No 4506-C/...

This program is designed for borrowers who are self-employed and would benefit from alternative loan qualification methods. Bank statements (personal and/or business) may be used as an alternative to tax returns to document a self-employed borrower’s income ...

Keywords: FHA; Lown-Income; Conventional; Mortgage Loans. Why we say DSCR program is magical？ 1. No employment and income information is needed. 2. If the LTV is lower, we can waiver verify asset. 3. 5-8 unit residential properties (commercial properties) is...

Keywords: Purchase; Rental Income; Rent; Website The rental value is critical for purchasing an investment property. How can we determine the rental value then? The following websites might help you. No login required, free of charge. Zillow.com http://www.rea...

Keywords: Credit score; Credit card Here’s how to increase your credit score before apply for a mortgage: 1. Pay your bills on time.  An on-time payment occupies large proportion in your credit score. Pay in full on or before your due date, and you can bu...

There's no better news than buying an investment home quickly for us. If you're still worried about an investment home loan, contact us and you will be in for a surprise delivery. Our AAA Capital Investment designed a special product for the Investment propert...

Keywords: DTI; Ratio The debt-to-income (DTI) ratio is a personal finance measure that compares an individual’s monthly debt payment to their monthly gross income. Your gross income is your pay before taxes and other deductions are taken out. The debt-to-inc...

Keywords: Interest rate, APR When you’re refinancing or taking out a mortgage, keep in mind that an advertised interest rate isn’t the same as your loan’s annual percentage rate (APR). What’s the difference? ● Interest rate refers to the annual cost...