Requirements vary by program, often one or two years. Your loan officer will confirm what applies to you.

These programs are designed to reduce reliance on full tax returns. Documentation depends on the specific guidelines.

Eligible assets often include checking, savings, brokerage and retirement accounts. Availability and any discounting depend on the program.

Typically no. Assets are used for qualification purposes, not necessarily sold.

Both use assets for qualification, but the methodology and guidelines can differ. Your loan officer will recommend the stronger fit.

Minimums vary by loan amount and program. Reach out for a customized answer.

Typically 12 or 24 months, depending on the program. Your loan officer will help you choose the better option for your situation.

Either can often be used. Each is analyzed differently, and your loan officer can advise which gives the strongest qualification.

It is the property's rental income divided by its monthly debt obligations, such as principal, interest, taxes, insurance and association dues.

Many programs consider short-term rental income, subject to documentation and guidelines.

Terms are typically short, designed around your project timeline. Specific terms depend on the program and the scenario.

Many programs allow a portion of renovation costs to be funded through draws. Your loan officer will explain the process.

No. Foreign National programs are designed for borrowers who reside outside the United States.

Down payments are typically higher than for domestic borrowers and vary by program. Contact us for a tailored estimate.

If your scenario sits just outside agency guidelines, Full Doc Non-QM may provide the flexibility that a conventional loan cannot.

Not at all. You will have a dedicated loan officer guiding you through each step.

The payment resets to fully amortize the balance over the remaining term, so the payment will increase. Your loan officer will walk you through the full payment schedule up front.

It can be a strong tool when used intentionally. We will help you compare scenarios side by side so you can decide with confidence.

Some programs, such as DSCR loans, focus primarily on the property's cash flow. Learn more on our DSCR page.

Yes, cash-out options are available on many investment programs subject to eligibility.

Not always. Programs may consider alternative credit references. Your loan officer will explain what is accepted.

Options may be available depending on the program and your profile. Ask us about your scenario.

Maximum amounts depend on the program, property, occupancy and borrower profile. Reach out for a scenario-specific answer.

Not always. Many jumbo Non-QM programs allow alternative documentation. Your loan officer will help you choose the best path.

A standard DSCR loan requires the property's income to meet a ratio. No Ratio DSCR loans remove that requirement, with other factors such as reserves and credit playing a larger role.

Not necessarily. Requirements vary by program, so connect with Justus about your property.

A HELOC is a revolving line you can draw from as needed. A closed-end second provides a lump sum with a set payment schedule.

No. A second lien sits behind your existing first mortgage, which stays in place.

Common reasons include a high percentage of investor-owned units, commercial space, pending litigation, insufficient reserves or a single owner holding many units. Every project is reviewed individually.

In many cases, yes. Occupancy, program and property type all influence the available structure, so speak with Justus to review your scenario.

Typically a CPA, enrolled agent or licensed tax preparer. Requirements vary, so we will confirm the details for your scenario.

A P&L program qualifies you using a professionally prepared statement, while bank statement loans use deposit history. We can help you determine which fits better.

Seasoning requirements vary by event type and program. Share your timeline and we will review the options.

Pricing generally reflects risk and the details of your file. We will always be transparent about your options.

Generally a property you occupy for part of the year that is suitable for year-round use and located a reasonable distance from your primary residence. Guidelines vary, so confirm with Justus.

Rental use can change the occupancy classification and program. Let us review your plans so your loan matches your intended use.