– AAA Lendings Portfolio Program – AAA Lendings Detail:
Overview
Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR
* Retail Only
Details
1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.
* Buyup ratio over par unacceptable
Portfolio Bank Statement
1) UW Fee $1495 & Processsing Fee $845;
2) Trust/Entity Review Fee $300, if applicable;
3) Bank Statement Income Max. LTV 65%;
4) Bank Statement – Interest Only Max. LTV 60%;
5) Min. Loan Amount $500,000;
6) Foreign National – Not Eligible;
7) 18-Month Pre-Payment Penalty is equal to 6 months interest;
8) Min. 12 months PITIA on subject property as the reserves;
9) Exception: case by case for loan amount ≤ $500k with 0.5 adjusted to fee.
Portfolio DSCR
1) UW Fee $1495 & Processsing Fee $845;
2) Trust/Entity Review $300, if applicable;
3) Min. Loan Amount $500,000;
4) Foreign National – Not Eligible;
5) Min. DSCR 1.000;
6) Loan Made to Natural Person – No Entity Borrowers;
7) 2-4 Unit Property is Eligible and 5% Reduction in Max. LTV/CLTVs on Matrix;
8) 18-Month Pre-Payment Penalty is equal to 6 months interest;
9) Min. 12 months PITIA on subject property as the reserves;
10) Exception: case by case for loan amount ≤ $500k with 0.5 adjusted to fee.
Portfolio FN DSCR
1) UW Fee $1495 & Processsing Fee $845;
2) Trust/Entity Review $300, if applicable;
3) Foreign National Review $250;
4) Min. Loan Amount $500,000;
5) Min. DSCR 1.000;
6) Interest Only – Not Allowed;
7) Power of Attorney – Not Allowed;
8) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.
9) Min. 12 months PITIA on subject property as the reserves;
10) Exception: case by case for loan amount ≤ $500k with 0.5 adjusted to fee.
How to Calculate Portfolio DSCR?
DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);
*Net Rental Income = Gross Rents * (1 – Expense Factor);
Expense Factors: Property without HOA = 25%, Property with HOA = 30%;
Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.
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Related Product Guide:
The dream of homeownership isn't limited to traditional homebuyers. At AAA LENDINGS, we have specialized programs to cater to non-traditional borrowers. If you're self-employed, have a fluctuating income, or face unique financial circumstances, our loan options can capture your interest. We embrace diversity in borrowers and actively seek out innovative lending solutions, ensuring that your journey to homeownership remains engaging, regardless of your financial situation. – AAA Lendings Portfolio Program – AAA Lendings , The product will supply to all over the world, such as: Porto , Casablanca , Greenland , We focus on providing service for our clients as a key element in strengthening our long-term relationships. Our continual availability of high grade products in combination with our excellent pre-sale and after-sales service ensures strong competitiveness in an increasingly globalized market. We are willing to cooperate with business friends from at home and abroad and create a great future together.

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