1 to 4 Unit Investment
Qualify investment property on the cash flow it produces, not the borrower’s personal income.
The Program
For 1 to 4 unit residential investment property that services its own debt. A decline on personal income can become an approval on property performance.
When It Fits
The borrower does not pass a standard DTI calculation.
The borrower does not want to produce tax returns or use personal income.
The borrower owns more properties than agency programs allow.
Program Terms
Eligible property types: 1 to 4 unit attached or detached, short-term rentals, warrantable and non-warrantable condos, and PUDs. No tax returns required.
Why Brokers Bring Us These Deals
The property’s income carries the loan, not the borrower’s.
Personal income and DTI stay out of the file.
Room for borrowers who have outgrown agency limits.
Send the basics and get a straight read on whether the deal fits, usually the same day.
(720) 772-1327 · Gino Rodrigues · Acoma Capital Partners