Flexible income qualification for self-employed borrowers.
Program Highlights
- 12 or 24 months of personal or business bank statements to document qualifying income.
- Business expense factors as low as 15%, subject to documentation and eligibility.
- Loan amounts up to $3 million.
- Up to 85% LTV/CLTV for eligible primary residence purchases and rate-and-term refinances.
- Minimum FICO of 660 on select scenarios.
- DTI up to 50%.
- Primary residences, second homes and investment properties.
- Purchase, rate-and-term and cash-out financing, with cash-in-hand up to $1 million.
- Fixed-rate, ARM and interest-only options.
Key qualifications: Two years of self-employment required. Business bank statement borrowers must own at least 25% of the business. The tiered 15% expense option requires a sole-owner service business with no employees, contractors, partners or overhead.
Maximum loan amount, maximum LTV and minimum FICO apply to different scenarios and cannot be combined. Based on guidelines dated September 21, 2026; all loans subject to underwriting and program requirements.
Mega Capital Funding, Inc. All rights reserved. This material is intended
solely for the use of licensed mortgage professionals. Distribution to
consumers is strictly prohibited. Program and rates are subject to change
without notice. Not available in all states. Terms subject to qualification.
www.mcfunding.com
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