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Non-QM Condo Loans – No Warrant? No Problem.
Flexible financing for unique condo and investment property needs.
Our Non-QM Condo Loans make it possible to finance non-warrantable condos and specialized investment properties without the roadblocks of traditional lending. With high approval flexibility, case-by-case exceptions, and options designed for complex ownership scenarios, we help investors and buyers secure the financing they need.
FAQs
Q: What types of condos are eligible?
A: Non-warrantable condos, condo hotels, and short-term rental units are all eligible.
Q: Can properties have commercial space?
A: Yes, up to 50% of the property can be commercial space.
Q: Are there restrictions on HOA or investor concentration?
A: Delinquent HOA is allowed up to 20%, and investor concentration can be as high as 60%.
Q: Is single-entity ownership allowed?
A: Yes, up to 25% single-entity ownership is acceptable.
Q: What are the loan terms available?
A: Loan amounts up to $4M, with 30- and 40-year interest-only terms available.
Why This Program Works
This program provides unmatched flexibility for properties that don’t meet traditional condo lending guidelines. It covers higher commercial space allowances, permits delinquent HOA situations, and allows short-term rentals and investor-heavy communities. With high loan limits, interest-only options, and no minimum DSCR for DSCR program features, it’s a lender’s tool for unique property challenges.
A Smarter Way to Finance Non-Warrantable Condos
With our Non-QM Condo Loans, you can open doors to financing opportunities that traditional lenders often close. The case-by-case exceptions, strong DSCR flexibility, and willingness to consider unique ownership or rental situations make this a highly adaptable solution. It’s designed for real estate investors and condo buyers who value both flexibility and speed in closing.