Close More Loans with BEC INVESTMENTS INC

• 580 Min FICO (approved eligible on 580-599)
• 700 Min FICO to $1.5 MM
• 100% LTV – Cash out Refi to $1.5 MM
• Manual UWs OK! No Price Hit!
• Cash in hand to $75k on Refi’s
• IRRRLs: AVM / 2055 Not Required
• IRRRLs: Streams to 135% LTV (no income required)
• IRRRLs: Mortgage must be current! (previously needed 0x30 in last 24 mos)
• IRRRLs: Now Open for N/O/O!

• W-2 Validation for Wage Earner is allowed
• TRUE Blended Ratios with Non-occupant Co-borrower
• 75% LTV – C/O Refi on High Balance, O/O
• 1 Unit – with 620 FICO
• 1 Year Tax Returns Self-employed Borrower with LP Approval

• 97% LTV FTHBs – 620 FICO!!
• 85% LTV on N/O/O Purchases
• Debt Ratio is “per DU”
• 5% Borrower Contribution can be all gift!
• W-2 Validation for Wage Earners
• Handwritten Paystubs allowed
• 100% Gift funds for Conventional SFR
• Non-owner occupied, No landlord history required
• 5 – 10 Units financed properties

• 580 Min FICO (approved eligible on 580-599)
• W-2 Validation for Wage Earners
• Gift Funds allowed – Min 600 FICO
• No Min Trade line Requirement
• Max DTI & Income Doc: “per DU”
• Cash out Refi’s to 85% LTV
• Manual Underwrites