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)
o 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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