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From non-QM to innovative financing, we've got you covered.

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Essential DSCR Matrix

  • ✓ Essential DSCR
  • ✓ Essential Expanded Prime
  • ✓ Essential Non-Prime Non-Agency
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Premier eXperienced Investor Program

  • ✓ Premier eXperienced Investor DSCR
  • ✓ Premier eXpert Enhanced Alt Doc
  • ✓ Premier eXpress Full Doc
  • ✓ Premier Ultra Bank Statement
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LEAD Non-QM Credit Plus

  • ✓ Credit Plus
  • ✓ ITIN Plus
  • ✓ LEAD DSCR Multi
  • ✓ LEAD DSCR
  • ✓ LEAD Plus
  • ✓ LEAD
  • ✓ Life Force Second
  • ✓ Plus Foreign National
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Why Lead+ Wholesale: Non-QM Lending Excellence

Experience the difference with Lead+'s expert underwriting team. Traditional underwriting on non-QM loans can lead to delays and complications. Our specialized approach ensures efficiency, accuracy, and a smoother closing process, saving time and enhancing borrower satisfaction.

Bank Statement/1099/ Full Documentation

Tailored for a thorough financial assessment, allowing for up to $3+ million loan amounts with exception approvals.

✓ High LTV ratios for primary and investment properties, with IO options and no penalties for recent late payments.

✓ Accessible to borrowers with FICO scores as low as 600, promoting inclusivity.

DSCR

A strategic program for investors, using rental income for loan qualification, suitable for mixed-use and short-term rental properties.

✓ Up to $3 million+ loan amounts, with exception approval for higher amounts, and innovative use of AirDNA for short-term rental DSCR calculations.

✓ Available for properties with up to 10 units, catering to a broad investor base.

Foreign National

Designed specifically for foreign nationals seeking investment opportunities in the U.S. real estate market.

✓ Welcomes all foreign citizens for investment and Canadian citizens for second homes, expanding the potential investor pool.

ITIN & More

Diverse Non-QM options including ITIN, Bank Statements, and P&L, designed to cater to a wide range of borrowers.

✓ Up to $2.5 million loan amounts, supporting non-warrantable projects and up to four units.

✓ Flexible LTV options and interest-only (IO) availability enhance purchasing power.

✓ Generous conditions for gift funds and cash-out strategies to facilitate easier loan closures.

Second Mortgages

Offering competitive options for second mortgages, including full documentation or bank statement programs.

✓ No maximum combined lien, supporting second homes and investments with a minimum 680 FICO score requirement.

Partner With The Best In Non-QM

Lead+ is dedicated to the non-QM space, offering more than just products. We're invested in your growth, providing resources to sharpen your sales and marketing skills, ensuring you not only meet but exceed your business objectives.