Niche Residential Lending

Bay Area Capital Funding Inc.

(Not private money loans - these programs have rates which range from the mid fives to the low eights)

12 - 24 month Bank statement program with no tax returns needed

o   90% LTV to $5,000,000 with no PMI 

o   Assets convert to income program - no tax filings needed

o   85% jumbo purchase money with no PMI

o   80-10-10 purchase with no PMI

o   Business funds OK for down payment

o   Borrower with more than 10 properties OK

o   Loans for poor credit – low scores manageable

o   Foreign National with no US credit (to 65% LTV)

o   Two years out of BK or foreclosure; One year post short sale

o   Non warrantable condos (just finished condos, condos with litigation)

o   Purchaser is LLC, Trust, Corporation

o   Non-perm resident aliens; no US credit (65% LTV)

o   24 months bank statements, average of deposits, same as income

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