What loan programs does FlexPoint offer?

We offer 20+ programs: conventional (Fannie Mae & Freddie Mac), VA, FHA, USDA, Jumbo up to $5M, Non-QM (bank statement, 1099, P&L, asset utilization, full doc Non-QM), DSCR investor loans (1–4 unit up to $3.5M, 5–8 unit mixed-use, and cross-collateral up to $6.25M), home equity loans, ITIN, foreign national, down payment assistance, and CalHFA DPA for California buyers. Not sure which fits? That's literally what we're here for.

Can I qualify if I'm self-employed with a lot of write-offs?

Yes — and this is one of the most common situations we handle. Our Non-QM programs use bank statements (12 or 24 months of deposits), 1099s, a CPA-prepared profit & loss statement, or your liquid assets to qualify you on actual income — not what your tax return shows. No W-2 required.

What's the minimum credit score to get a loan with FlexPoint?

It depends on the program. FHA goes down to 500 with manual underwriting (90% LTV) and 580 with AUS (96.5% LTV). DSCR investor loans start at 640. Bank statement and Non-QM programs generally start at 620. VA has no official minimum but we work with scores from 580. If you're not sure where your score fits, just reach out — we'll tell you honestly.

Do you have loan programs for real estate investors?

Yes. DSCR loans qualify entirely on the rental income the property generates — not your personal income, tax returns, or employment history. We offer DSCR for 1–4 unit properties up to $3.5M, 5–8 unit mixed-use up to $2M, and cross-collateral DSCR that bundles up to 25 properties into a single loan up to $6.25M. Short-term rentals (Airbnb, VRBO) are eligible too.

Will checking my options affect my credit score?

No. Your initial consultation doesn't require a credit pull. We'll discuss your situation, match you to the right program, and give you an honest assessment — all before any formal application. We only pull credit when you're ready to move forward.

20+ Loan Programs · Licensed Since 1996 · NMLS #243082

More Options. Better Odds. One Team That Knows Them All.

Most lenders offer five programs and hope you fit one. We built FlexPoint with 20+ — so whether you're a first-time buyer, a self-employed business owner, a real estate investor, or a veteran, there's a real path to yes.

Conventional & Government
Non-QM / Alt-Doc
DSCR Investor Loans
Jumbo Up to $5M
Down Payment Assistance

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No credit pull required · Response within 24 hours

Find Your Program

What Best Describes Your Situation?

Click your borrower type and we'll highlight the programs that fit.

I'm Self-Employed
Real Estate Investor
Veteran / Military
First-Time Buyer
Luxury / High-Value
Asset-Rich / Retired
No SSN / ITIN
Tap My Equity
Need Down Payment Help
Rural / Suburban

Our Programs

All 20 Programs

Browse everything we offer, or use the tabs above to filter by category. Click any card to start a conversation about that program.

Non-QM

Bank Statement Loan

Your write-offs work against you on paper. Bank statement loans qualify on actual deposits — no tax returns needed.

Max Loan Amount

$4,000,000

Max LTV

90% Purchase

Min FICO

620

Statements

12 or 24 Mo

12 or 24 months of statements
Loan amounts up to $4M
LTV to 90% for purchase
Credit scores from 620
Credit scores from 620
Primary, second home & investment

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Non-QM

DSCR Loans — 1 to 4 Units

Qualify on rental income — not personal income, not tax returns. First-time investors welcome. STRs allowed.

Max Loan

$3,500,000

Max LTV

Up to 85%

Min FICO

640

Min DSCR

No-ratio option

No personal income verification
Loan amounts up to $3.5M
LTV to 85% for purchase
Credit scores from 640
STRs, condotels & non-warrantable condos OK

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Non-QM

DSCR — 5 to 8 Units & Mixed-Use

Larger residential buildings and mixed-use properties with commercial space — qualify on cash flow.

Max Loan

$2,000,000

Max LTV

75% Purchase

Min FICO

700

Min DSCR

≥ 1.00

5–8 residential units or 2–8 unit mixed-use
Commercial space (retail, office, restaurant) allowed
Qualify on the full property cash flow
No personal income documentation required
Min loan $400K · Max cash-out $1M

Not available in IL, MD (Baltimore), NJ (Bergen/Essex), PA (Philadelphia), or NY.

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Non-QM

1099 Loans

1 or 2 years of 1099s — no full tax return required. Built for contractors and gig workers.

Max Loan

$4,000,000

Max LTV

90% Purchase

Min FICO

660

Expense Factor

10% Fixed

1-year or 2-year 1099 income accepted
Low 10% fixed business expense factor applied
YTD documentation required to support current income
Primary, second home & investment eligible
3rd-party P&L can substitute for the fixed expense factor

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Non-QM

P&L Statement Loans

CPA-prepared profit & loss statement — no tax returns, no 4506-C required.

Max Loan

$2,500,000

Max LTV

80% Purchase

Min FICO

660

P&L Term

12 or 24 Mo

CPA, EA, CTEC, or Tax Attorney prepared P&L accepted
P&L must be less than 90 days old at closing
Up to 85% LTV on primary with 720+ FICO
Primary, second home & investment all eligible
PTIN licensed preparer accepted with conditions

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Non-QM

Foreign National Loans

Investment property financing for non-U.S. residents — foreign credit accepted.

Max Loan

$1,500,000

Max LTV

75% Purchase

Min FICO

680 or Foreign Credit

Min Loan

$150,000

Foreign credit accepted — no U.S. credit history required
DSCR qualification — investment property only
Short-term rentals (Airbnb) eligible at max 70% LTV
First-time investors allowed
6 months PITIA reserves required

Not available for borrowers from OFAC-sanctioned countries. Restrictions apply in IL, MD, PA, and NY.

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Conventional

Conventional — Fannie Mae

Standard and high-balance conforming loans with the best long-term terms for qualified borrowers.

Max LTV

97% (SFR/PUD)

Min FICO

620

Min Loan

$75,000

AUS

DU Approve/Eligible

HomeReady eligible — 97% LTV, 105% CLTV with DPA second
High-balance available up to county limits
2-1 and 1-0 temporary buydowns allowed
Non-permanent resident aliens eligible (visa/EAD)
No PMI once you reach 20% equity

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Conventional

Jumbo Loans — Up to $5M

Above conforming limits — full doc or bank statements accepted, competitive rates.

Max Loan

$5,000,000

Max LTV

85% (up to $1.5M)

Min FICO

700

Occupancy

Primary Only

Full doc (W-2/tax returns) OR bank statements (12 or 24 months)
30-year fixed, IO, and ARM options available
Max cash-out: $1M (LTV <65%) / $500K (LTV >65%)
Loan amounts above $3.5M: major metro area required
Reserves: 6–24 months depending on loan amount

No temporary buydowns. No subordinate financing. Texas cash-out not available.

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Government

FHA Loans

Broad credit eligibility, low down payment, and manual underwriting available — no overlays.

Min FICO (AUS)

580 → 96.5% LTV

Min FICO (Manual)

500 → 90% LTV

Min Loan

$100,000

Max Loan

Up to $1,249,125

3.5% down from 580+ FICO — or 10% down from 500+
No FlexPoint overlays — we follow FHA Handbook 4000.1 directly
Manual underwriting available per FHA guidelines
Non-traditional credit accepted for no-FICO borrowers
FHA Streamline refi — no income docs, no appraisal required

Non-permanent residents: eligible for case numbers issued before May 25, 2025 only.

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Government

VA Loans

$0 down, no PMI, competitive rates — for veterans and active-duty service members.

Purchase Max

Up to $1,500,000

Cash-Out Max

Up to $2,000,000

Min FICO

580

Down Payment

$0 Required

100% LTV purchase — zero down payment required
No private mortgage insurance (PMI) ever
VA IRRRL streamline — no income docs required
Manual underwriting available for Refer/Eligible files
DACA borrowers eligible with Category C33 EAD

680 FICO required above $1M purchase. 720 required for cash-out above $1M. No temporary buydown.

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Government

USDA Loans

Zero down payment for eligible rural and suburban properties — lower MI than FHA.

Max LTV

100% + guarantee fee

Min FICO

580

Min Loan

$75,000

AUS

GUS Accept Required

Zero down payment — 100% financing plus guarantee fee
Annual fee: 0.35% · Upfront fee: 1% of loan amount
Lower mortgage insurance than FHA
Streamlined and streamlined-assist refinance available
2-1 buydown allowed on GUS Accept purchases

Manual underwriting not permitted. DPA cannot be combined with USDA. Income limits apply per USDA Rural Development.

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Specialty

ITIN Loans

A real path to homeownership for borrowers who file taxes with an ITIN — no SSN required.

Max Loan

$1,500,000

Max LTV

80% Purchase

Min FICO

680

Min Loan

$150,000

Full doc, bank statement (12 or 24 months), or 1099 income
Primary residence and second home eligible
DACA eligible with valid U.S. driver's license & EAD
2-year consistent ITIN payment history required
Gift funds allowed · Non-occupant co-borrower eligible

Tradelines required: 3 tradelines (12+ months) or 2 tradelines (24+ months). Max cash-out $500K (LTV ≤50%) or $300K (LTV >50%).

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Specialty

Home Equity Loans

Tap existing equity in your primary, vacation, or investment property — flexible income docs accepted.

Loan Range

$125K – $850K

Max CLTV

90% (≤$2M combined)

Min FICO

660

Max DTI

50%

Full doc, bank statements, 1099, P&L, and DSCR income all accepted
Primary, second home AND investment property eligible
Fixed terms: 10, 15, 20, or 30-year fully amortized
SFR, PUD, townhome, condos, modular, and 2–4 unit eligible
4-year seasoning on BK, foreclosure, short sale, or deed-in-lieu

Not available in MD, MI, TX, or WA. ARMs not allowed. Properties listed for sale within 6 months are ineligible.

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Non-QM

Cross Collateral DSCR

Bundle up to 25 rental properties into one loan — one closing, one payment, one process.

Max Loan

$6,250,000

Max LTV

80% Purchase/R&T

Min FICO

700

Properties

2 to 25

2 to 25 properties combined in a single loan
1–4 unit investment properties & warrantable condos
Short-term rentals allowed (DSCR ≥1.25, max 60% LTV)
Cash-out proceeds up to $1M
Cash-out proceeds up to $1M

Experienced investors only. First-time buyers not eligible. Foreign Nationals not permitted.

See If I Qualify →Learn More

Loan Programs

20+

More options than most lenders

Max Loan Amount

$6.25M

Cross Collateral DSCR

Min FICO (FHA)

500

Manual underwriting available

Max LTV

100%

VA & USDA programs

Pre-Approval Speed

24hr

Most decisions same day

Free Consultation

Find Out If You Qualify Today

Not sure which program is right for you? Tell us your situation — we'll match you to the right product and give you a straight answer. Takes less than 60 seconds. No credit pull.

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Estimated Loan Amount$300,000

$50,000$3,500,000+

SSL Secured
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NMLS #243082
Multi-State Licensed

By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.

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