Program Comparison

Pick the right path in seconds

Side-by-side on the metrics that matter — so you can match the borrower to the program before you submit.

Criteria	Bank Statement Self-Employed	Traditional Full Doc W-2 / Salaried	DSCR Investor
Documentation Required	12–24 mo personal or business bank statements. No tax returns.	2 yrs W-2s or tax returns, paystubs, full income docs.	Lease or market rent (1007). No personal income docs.
Typical LTV	Up to 90% purchase / 85% R&T	Up to 95% purchase / 80% cash-out	Up to 80% purchase / 75% cash-out
Max Loan Amount	Up to $4M	Up to $3M (jumbo) · Conforming limits apply	Up to $3.5M per property
Best For	Self-employed borrowers with strong deposits	W-2 borrowers with clean tax returns	Investors qualifying off the property's cash flow
Min FICO	660	620 (Conv) / 580 (FHA)	660

Bank Statement

Self-Employed

Documentation Required: 12–24 mo personal or business bank statements. No tax returns.
Typical LTV: Up to 90% purchase / 85% R&T
Max Loan Amount: Up to $4M
Best For: Self-employed borrowers with strong deposits
Min FICO: 660

Traditional Full Doc

W-2 / Salaried

Documentation Required: 2 yrs W-2s or tax returns, paystubs, full income docs.
Typical LTV: Up to 95% purchase / 80% cash-out
Max Loan Amount: Up to $3M (jumbo) · Conforming limits apply
Best For: W-2 borrowers with clean tax returns
Min FICO: 620 (Conv) / 580 (FHA)

DSCR

Investor

Documentation Required: Lease or market rent (1007). No personal income docs.
Typical LTV: Up to 80% purchase / 75% cash-out
Max Loan Amount: Up to $3.5M per property
Best For: Investors qualifying off the property's cash flow
Min FICO: 660

Guidelines vary by investor and overlay. For estimation only — not a commitment to lend. NMLS 1429.

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