Whether your borrower is rate sensitive or faces some unique challenges qualifying for a loan, you’ll learn the strategies for structuring loans and presenting rate options to meet your borrowers’ specific needs.
- Structuring investor loans with no prepayment penalty AND no points
- Using 40-year Interest Only options to optimize investor cash flow and boost DSCR score
- Lowering rate with discount points without increasing cash to close
- Creativity with bank statement loans to get DTI in line
- Supplementing income calcs with asset depletion, including from crypto
- Looking at rental income and losses to help your borrower qualify for the maximum loan amount
- Utilizing compensating factors to support exceptions to standard underwriting guidelines
