Investor - DSCR (No Ratio)

With this program, we are providing financing for diverse homeowners and real estate investors. Quontic looks beyond the standard loan qualification metrics associated with traditional income and credit verification. See below for some of the key highlights of this program and download the program flyer to see more!

Income Verification

  • Qualify Using Subject Property Income ONLY
  • Minimum 1.00x DSCR
  • No DTI or Global Calculated
  • No Tax Returns or W2s required. Not a Bank Statement Program.
  • No Statement of Employment or Income Required

Asset Verification

  • 1 Month Bank Statement (covering at least 30 days)
  • 100% Gifts Allowed for Down Payment, Closing Costs, Reserves1
  • Cash-Out Proceeds May Be Used Towards Reserves

Other Program Highlights

  • Purchase & Rate/Term Refinance up to 70% LTV
  • Cash-Out Refinance up to 60% LTV, Unlimited Cash-Out Funds
  • 1-4 Units, Condos, PUDs
  • Loan Amounts up to $1,500,000
  • Minimum 700 FICO
  • 5/1 ARM2, 7/1 ARM2, 15 or 30 Year Fixed
  • Interest Only Option Available on All Loan Terms Except 15 Year Fixed.
  • Corporations and LLCs Accepted
  • First Time Home Buyers Eligible

Call Us Today

Learn how our full line of loan programs can help your clients secure home financing



Foreign National

Home loans for non-U.S. citizens anywhere in the 50 United States

Owner Occupied - No Ratio

With this program, we are providing non-traditional access to prime capital fostering homeownership for diverse underbanked individuals and families.

Investor Owned - Lite Doc

We are providing financing for diverse homeowners and real estate investors.

This is intended for Mortgage Broker professionals. All lending products are subject to credit & property approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions & limitations apply. Quontic Bank name & logo are registered trademarks. © 2020 Quontic Bank. All rights reserved.

Information is accurate as of the date listed below and may change without notice.

July 17, 2020

1 Reserve Requirements Subject to Loan Amount and Number of Financed Investment Properties.

2 Adjustable-rate mortgage

3 Debt-To-Income