Investor Owned

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 1.00 DSCR
  • No Debt-Income Calculation or Limit
  • No Tax Returns or W2s
  • No Income Stated or DTI3 Calculated

Asset Verification

  • 1 Month Bank Statement
  • 6 Month PITI1 Reserves
  • 100% Gifts Acceptable

Other Program Highlights

  • Purchase & Refinance Up To 75% LTV
  • Cash-Out to 70% LTV, No Cash Out Restriction
  • 1-4 Units, Condos & Mixed Use
  • Loans up to $3,000,000
  • Minimum FICO score of 680
  • 5/1 ARM2, 7/1 ARM2, 15 or 30 Year Fixed
  • Interest only available on all loan terms except 15 year fixed.
  • Corporations and LLCs Acceptable
  • Non-Warrantable Condos: No Pre-Sale to 65% LTV

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.

March 12, 2020

1 Principal, interest, taxes & insurance

2 Adjustable-rate mortgage

3 Debt-To-Income