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Investor Solutios

IDEAL FOR REAL ESTATE INVESTORS
For: purchases, refinance and 2nd lien positions

DSCR Program

Unique Solutions

Non-Warrantable Condo

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888-505-5835 ● info@kgfacapital.net

Unique Options for Investment Properties for business purposes

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Business Purpose - Highlights

Borrowers looking to refinance Non-Owner Occupied - N/O/O. SFR - single-family residential, Condo, and 2-4-unit properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term up to (40 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

• No Income Proof Needed or Alternative Income
• Bank statement only, 1099 only, P& L only
• LTV up to 80%
• No DTI Ratios
• DSCR ratios as low as 1%
• Rates subject to change at any time
• Loan Amounts from $100,000 – $5,000,000
• Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.
• Property Types Include: SFR, Condo, 2-4 Units
• Interest Only Option Available
• Foreign Nationals & ITIN – OK
• 100% Gift Funds – OK

Prequalication Form

See Details on Loan Programs Below

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Business Purpose Non-Warrantable Condo Financing–

Financing options for condominiums that fall outside conventional agency guidelines, including mixed-use, investor-heavy, new construction, and other unique projects. This is a valuable service because many lenders won't finance non-warrantable condos, making it a differentiator for KGFA.

0 Reserves if they have 5% Deductible for the HOA Ins. Policy.
10% Deductible for HOA Insurance on Condo’s
No fidelity bond is needed if it’s NON-Warrantable.
85% LTV INVESTMENT Alt doc. – see next pages
80% DSCR financing. Based on rental income
for debt service coverage ratio
75% Condo Tel
75% Foreign national
25% for 60+ day lates on Association
49% one person/entity owned
70% investor concentration for a primary or 2nd home.
100% investor concentration for Investment properties.
400 minimum SQ/Ft cond tel only.
NO minimum SQ/Ft for Regular condo
1 bedroom and a full kitchen for Condo tel.
Commercial space up to 35% for warrantable and 50% NON Warrantable.