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In the United States, many investors will often upgrade and replace investment houses, which will produce high value-added tax and capital income tax in the process of trading, which is very uneconomical. However, the IRS has issued a policy of legal tax avoid...

No ratio DSCR means that the ratio of the monthly rental income of the rent to the monthly repayment amount of the house, tax, insurance and property management fee is equal to "0", that is, you can apply for DSCR loan products with "zero" ratio. In our previo...

Conventional loans have restrict requirements of DTI ratio/ Reserves/ LTV/ Credit situation. Generally, most of the borrowers may qualify a conventional loan with higher income and credit score. While for some borrowers, their income is lower or having variety...

AAA Capital investment designed the different kinds of the loan product to help you buy the property you want. 1- Non-QM loan- Best for you without a good credit score and a stable income. No need your pay stub or W2. We have dozens of products, and there's al...

Temporary leave due to COVID-19 from an employer may encompass various circumstances (e.g. family and medical, short-term disability, maternity, other temporary leaves with or without pay). During a temporary leave, a borrower’s income may be reduced and/or ...

Keywords: Tax return; IRS tax filing extension; Overseas Do you feel confused when tax return should be used to qualify your loan？which year of your tax return should be provided？ There are four time points you need to be aware of： 1. Application date on...

Keywords: Fannie Mae; Self-employed; Ownership less than 25% Below is agency guideline requirements about borrower’s ownership less than 25% in a business, please read carefully, highlighted especially:

Keywords: No paystub; No W2; No Tax Return; No 4506-T; No DU/LP Non-QM loans are an alternative to qualified mortgage (QM) loans. More specifically, a Non-QM loan is one that is not required to meet the federal government and Consumer Financial Protectio...

1. For NON-QM loan, the cash out requirement is following: ● Cash out seasoning, AAA Capital defines cash-out seasoning as the difference between application date of the new loan and prior financing note date or date of purchase. ① For properties owned twe...

This program is designed for borrowers who have significant verifiable assets and would benefit from alternative loan qualification methods. Requirement 1- The max DTI is 50% 2- Documents-6 Month personal bank statements 3- Primary Only Advantage 1- No 4506-C/...