Business Purpose DSCR 

• N/O/O – SFR’s, 2-4 units, Condos, Townhouses, Condotels

• 5-30 year fixed - Par Pricing

• Loan Amounts $100K-$4M

• 600 Minimum Fico Score

• Foreign Nationals - OKAY

• Purchase Max LTV 80% - Refinance Max LTV 75%

• No Income Verified

• DSCR Minimum – 1x (NO DSCR option available)

• Renters Buying or Refinancing Investment Properties – CBC

 Business Purpose No DSCR

• N/O/O – SFR’s, 2-4 units, Condos, Townhouses, SFR Care Facilities

• 5-30 year fixed, I/O, No Prepay and Par Pricing Options Available

• Loan Amounts $100K-$4M

• 550 Minimum Fico Score (East Coast Minimum 600 Max 1X30 last 12 months)

• Foreign Nationals - OKAY

• Purchase Max LTV 80% (Refi’s to 80% okay too!)

• No Income Verified

• Gift Funds and Gift of Equity - OKAY

• No DSCR – OKAY

• Renters Buying or Refinancing Investment Properties - OKAY

Business Purpose Bridge

• N/O/O – SFR’s, 2-4 units, Condos, Townhouses, Condotels, SFR Care Facilities

• Commercial Collateral – (5+ multi-family, retail, office, mixed-use.)  

• 12-36 Month Terms - I/O No Prepay

• Par Pricing Options

• Loan Amounts $100K-$8M

• 350 Minimum Fico Score – East Coast Minimum 600

• 1 Day out of BK or Foreclosure – OKAY

• Foreign Nationals - OKAY

• Purchase Max LTV 80% - Refinance Cash Out Max LTV 75%

• No Income Verified

• Gift Funds and Gift of Equity - OKAY

• No DSCR!

• Renters Buying or Refinancing Investment Properties – OKAY

Consumer Purpose Express

• O/O and 2nd Homes – SFR’s, 2-4 units, Condos, Townhouses, Condotels

• NON- Warrantable Condos

• 30 year fixed - Par Pricing – I/O Available

• Purchase Max LTV 90% - Refinance Max LTV 85%

• Loan Amounts $100K-$5M

• 350 Minimum Fico Score – Depending on LTV and ATR qualifications

• ITIN with Work Visa and US Credit - OKAY

• Income Verification Options – Full Doc, 12-24 Months Bank
  Statements, 2 Year’s VOE, 1099, K-1, P&L, and Asset Depletion

• Max DTI 50-55%

• Gift of Equity up to 65% LTV

• Lease Option Purchase up to 80% LTV

• No Reserves Required

We welcome the opportunity to talk with you about your business or project and the funding it requires. In order to do so, the first step is to please submit a contact request form or send us some written information to info@lumbeecaptialgroup.com .Every effort is made to respond to inquiries as quickly as possible.  Our normal business hours are Monday - Friday 9 AM to 5:30 PM Eastern Time. Please include information such as project size, industry, basic facts, etc. about your project.