Alt-Choice Product Suite:
Elite | Plus | Flex | EZ-DSCR | Foreign National

Alt-Choice At-a-Glance | Click on the image to view

Reach out to see what we can do for you!

Highlights*

  • Up to $2.5M loan amounts
  • Min FICO 660
  • Up to 90% LTV
  • DTI up to 50% (43% standard, 50% enhanced)
  • Primary, 2nd Home & Investment Properties
  • No PMI
  • Cash-out up to $1M (N/O/O: $500K max)
  • 5/1, 7/1 ARM, and 30 year Fixed
  • Full Doc (2 years W-2/1099 Income or 2 years tax returns)
  • 12 & 24 mos Personal or Business Bank Statements + Customer created P&L
  • 4 year seasoning: Foreclosure / Short Sale / Deed In Lieu
  • Chapter 7 discharge | Chapter 11, 13 discharge or dismissal
  • 6-12 months reserve requirement, see matrix for details
  • Standard Residual Income Requirements: $2,500 / month + $150 / dependent
 * See product matrices for all details | Products subject to change without notice.

 

Reach out to see what we can do for you!

Highlights*

  • Up to $5M loan amounts
  • Min FICO 620
  • Up to 95% LTV (Investment: 85% max LTV)
  • DTI up to 55% (50% standard, 55% enhanced) | Investment: 50% max DTI
  • Primary, 2nd Home & Investment Properties
  • No PMI
  • Cash-out up to $1M (N/O/O: $500K max)
  • 5/1, 7/1 ARM, and 30 year Fixed
  • Full Doc (2 years W-2/1099 Income or 2 years tax returns)
  • 12 & 24 mos Personal or Business Bank Statements
  • Asset Depletion / Asset Utilization available
  • 1 Year Documentation (W-2/1099 or Tax Return) | Self-employed only
  • 3-year seasoning: Foreclosure / Short Sale / Deed In Lieu / Loan Mod / BK discharged: 7, 11, 13
  • Mortgage History: 1x30x12
  • Standard Residual Income Requirements: $2,500 / month + $150 / dependent | Investment Properties: No Residual Income Requirements
  • 6-12 months reserve requirement, see matrix for details

    * See product matrices for all details | Products subject to change without notice.

Reach out to see what we can do for you!

Highlights*

  • Up to $2M loan amounts
  • Min FICO 500 (Investment: Min FICO 580)
  • Up to 90% LTV (2nd Home & Investment: 80% max LTV)
  • DTI up to 55% (Investment: 50% max DTI)
  • Primary, 2nd Home & Investment Properties
  • No PMI
  • Cash-out up to $500K
  • 5/1, 7/1 ARM, and 30 year Fixed
  • Full Doc (2 years W-2/1099 Income or 2 years tax returns)
  • 12 & 24 mos Personal or Business Bank Statements
  • 1 Year Documentation (W-2/1099 or Tax Return) | Self-employed only
  • 3-12 months reserve requirement, see matrix for details

    * See product matrices for all details | Products subject to change without notice.

Reach out to see what we can do for you!

Highlights*

The Best, Simplest and Easiest DSCR in the Industry.

Non-Owner No Income doesn’t have to be difficult | WE MAKE IT EZ to Qualify!

Finally, a DSCR product built by PCF Wholesale that just works. Sound too easy? Exactly! At PCF Wholesale “Built for Brokers” helps you close more loans with our Alt-Choice Product Suite with Ease and Great Pricing!

  • Qualify off the I/O payment
  • No Income / No Reserves (to $1.5M) / No Employment on 1003
  • Gift Funds allowed
  • 80% LTV on Purchases
  • First time Investors to 75% LTV
  • Cash-out to 75% LTV
  • Cash-out can be used for reserves
  • FICO’s down to 600
  • Soft prepayment options
  • Unlimited properties OK
  • Rates in the 5% range!!

* See product matrices for all details | Products subject to change without notice.

 

Not approved? No problem! You can submit loans now while your partner approval is being processed! Get started

Reach out to see what we can do for you!

Highlights*

  • Up to $1.5M loan amounts
  • Up to 75% LTV
  • Cash-out to $500K
  • No PMI
  • Full Doc, Asset Depletion available on Purchase & R/T | Investments: No Income, No Ratios or DSCR
  • Up to 50% DTI with 12 mos reserves
  • SFR, PUD, Townhome, Condo (Warrantable & Non-warrantable), 2-4 Unit
  • No Residual Income Requirements
  • 30 year Fixed, 5/1, 7/1 ARM
  • Mortgage History: 1x30x12
  • Credit: Standard: 3 tradelines reporting for 24+ mos all w/ activity in the last 12 mos | Foreign credit references
  • Interest Only available
  • 2-year seasoning: Foreclosure / Short Sale / Deed In Lieu / Loan Mod / BK discharge: 7, 11, 13
  • Standard Reserve Requirements: Full Doc = 12 Months | No Income, No Ratios = No reserve requirements | DSCR = No reserve requirements
  • Prepayment penalty (3 years) with ability to buy down (2 / 1 / 0 years)
  • DSCR = Gross Income / Proposed PITIA; Gross income = lesser of market rent or lease in place

* See product matrices for all details | Products subject to change without notice.

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