Loan Term Glossary

1. TERMS FOR THE DSCR LOANS.

I do offer 85% LTV but if the DSCR can be maintained at 1.1x, then I can offer a 100% funding (meaning the income on the property can single handedly take cover for the mortgage or loan repayment). Qualification amount ranges from $50,000 - $5,000,000. Interest rate is at 6% Term ranges from 1 year - 25 years The minimum DSCR is required is 1.1x ( which means the property monthly income must be at least 10% more than your loan monthly payment. Minimum credit score required is 550.

2. TERMS FOR A LINE OF CREDIT

You can qualify for $50,000 and up to $5,000,000 Line of Credit No limit for number of property used for Up to 600+ FICO Score Required Terms of 12 months (Eligible for renewal) Must be employed or an income earner.

3, TERMS FOR DEBT CONSOLIDATION

Loan size: $20,000 - $10,000,000 Term- 3 months - 20 years Interest rate: 5% Bad Credit -Accepted Bankruptcy -Accepted Foreclosure -Accepted Security-Custom

4. TERMS FOR BALANCE CASH OUT AND REFINANCE LOAN.

Property type: All Loan size: $20,000 - $10,000,000 Interest rate: 5% Term:3 months to 20 years Repayment: Interest only, partial amortized or fully amortized Interest Rate: from 5% Bad Credit -accepted Bankruptcy -accepted Foreclosure -accepted Collateral: 1st or 2nd lien position on the property.

5. TERMS FOR MORTGAGE LOAN

All property types are considered First lien on the said property as collateral Loan amount ranges $50,000 to $10,500,000 Interest rate is 5% Loan term is amortized through the term. FICO score up to 500+ required Loan term ranges from 3 months to 25 years Repayment type of interest only or amortized through out the loan term

6. TERMS FOR CONSTRUCTION LOAN

You can use a construction loan to cover such costs as: The land/lot Contractor labor Building materials Permits Loan amount ranges from $50,000 to $10,000,000 You must have a stable income Low debt to income ratio Loan term is from 1 year to 20 years 600+ FICO score required Down payment is required depending on the loan amount. Security can be asset based or custom.

7. TERMS FOR PERSONAL LOAN

Credit score and history (minimum 500 score required) Loan amount ranges from $20,000 to $1,000,000 Steady Income Debt-to-income ratio Loan term is within 3 months to 10 years Asset based Collateral/security Documentation/processing fee.