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SG Capital Products

Horizontales
Vesting for business structures
FICO used to qualify (Prime and Plus)
Limited to $5M UPB or 10 loans
Form used by tax preparer to confirm ownership etc
50% or 20% expense factor
Vacation property loan
Max cash out amount for LTVs <=70% (Prime/Plus)
Product for lower FICO, Credit and Housing History
Verticales
1 year income documentation
15% Floor (Bank Statement Income)
Min 700 FICO, 1.0+ DSCR, Max 75% LTV, $1.5MM
Residency status not permitted
AUS for Non-QM
Loan not for consumers (DSCR)
Min 3 years required for Investor Premier
Debt Service Coverage Ratio
Not an approved tax preparer