Owner User - Full Doc

· Loans up to $5 Million                                 · Up to 90% financing

· 600 minimum average FICO score                · 30-year fully amortized (no balloon)

· Only 25% occupancy required                       · Prepayment penalty options

Ivestor - Full Doc

· Loans up to $3 million                                 · Up to 80% LTV on building purchases

· 660 minimum average FICO for refinances    · 680 minimum average FICO purchases of 80% LTV

· 30-year fully amortized (no balloon)               · Cash-out refinances up to 65% LTV