Landmark Management Services, Inc.

Minimum FICO 680​

Loans amount up to $2.5

Purch-R/T up to 90% LTV

Max DTI 55%

Minimum 2 tradelines with 1 open and active

One month bank statement or VOD for assets

No sourcing of large deposit

50% expenses ratio for B/S and floored at 15% 100% Gifts Allowed

No reserve primary and second home with loan amount ≤ $1MM and with LTV ≤ 75. Cash Out can be used for reserve​

Condotel and Non-Warrantable Condo accepted

Primary Residence only

Minimum FICO 720 and LTV up to 70%

$3.5mm ≤ Loans amount ≤ $mm

Max DTI  38%

Income docs: 24 months full docs/24 months bank statements/Assets Depletion

50% general expenses ratio for B/S and floored at 15%

12 months reserve 

Minimum FICO 700 and LTV up to 75%

Loans amount up to 3$ million

Minimum DSCR 1

Minimum 2 tradelines with 1 open and active

One month bank statement or VOD for assets. No sourcing of large deposits

First time investors not allowed

Gifts allowed with minimum 10% borrower contribution

Minimum 6 months reserve. Cash out can be used for reserve

Non-Warrantable Condo accepted

Minimum FICO 680 and LTV up to 80%

Loans amount up to $2.5 million

Minimum DSCR 0.75. Short-term rent allowed. No ratio DSCR allowed on exception basis​

Minimum 2 tradelines with 1 open and active

One month bank statement or VOD for assets. No sourcing of large deposits

First time investors allowed. First time home buyer accepted on exception basis

100% Gifts Allowed

Minimum 3 months reserve. Cash on the reserve. Cash out can be used for reserve. 

Condotel and Non-Warrantable Condo accepted.

​

Second home or investment properties

Minimum FICO 700 or foreign credit

Loans amount up to $1.5 million

LTV up to 65%

Foreign income/Asset depletion/Minimum DSCR 1

Gifts not Allowed

All funds sourced in a US account for 10 days

12 months reserve

Primary Residence only

Minimum FICO 680

Loans amount up to $500,000

Max DTI 50%

Gifts allowed minimum 10% borrower contribution

Condotel and Non-Warrantable Condo accepted

Minimum 6 months reserve