FundLoans

WHOLESALE SUPER JUMBO AND NON-QM LENDER. Founded on the idea that underwriting should "Make Sense." NMLS #1202262

[FundLoans @GetFundLoans]

FundLoans allows real estate investors to qualify with bank statement income from rental properties. Your clients can qualify with rental/flipper income alone or combined with other sources of income. No tax transcripts required. Contact us to learn more.

[FundLoans @GetFundLoans]

This borrower was living rent-free with zero tradelines—yet we still got it done. By leveraging a niche guideline that allows qualification with just 3 FICO scores (no tradelines needed), we paved a path where most lenders would have closed the door.

[FundLoans @GetFundLoans]

FundLoans released a brand new super jumbo program:
- Bank statements, full doc, or asset allowance
- Cash-out - 60% LTV up to $4M, 55% LTV up to $5M
- Investment property purchases - 70% LTV up to $4M, 65% LTV up to $5M

[FundLoans @GetFundLoans]

This self-employed borrower qualified using only a 1-year P&L. Assets for closing included both traditional accounts and crypto. The family secured a rare waterfront home with luxury finishes and a private dock, making it a dream come true.

[FundLoans @GetFundLoans]

FundLoans can use AirDNA to determine short-term rental income on DSCR purchase loans up to 80% LTV.

AirDNA details:
- Occupancy rate must be greater than 60%
- Market Grade of 60 or higher
- Must have 5 comps in the same zip code
- Rental income = projected revenue * 80% / 12

[FundLoans @GetFundLoans]

These borrowers had 2 newly constructed properties in La Jolla, CA. They were able to get cash-out from both and drop their rate by 3%. Fundloans qualified them with their robust asset portfolio (no job verification needed).

[FundLoans @GetFundLoans]

What makes this transaction stand out is that we can offer 80% LTV on an investment property with a loan amount up to $3 million, a sweet spot in our lending matrix.

[FundLoans @GetFundLoans]

At FundLoans, we don’t cap the number of financed properties a borrower can own. That’s right — no limit on DSCR, full doc, or asset qualifier loans. Bank statement and P&L loans are unlimited too, if the subject property is an investment.

[FundLoans @GetFundLoans]

This financial advisor needed a 2nd to consolidate credit card debt. To lower his DTI and interest rate, FundLoans supplemented the qualifying income with asset depletion.

[FundLoans @GetFundLoans]

This borrower qualified with both W2 income and asset allowance. Liquidated Bitcoin covered the full down payment, closing costs, reserves, and assets for asset allowance. By converting enough crypto to cash, the borrower lowered their DTI from 94% to 49%.

[FundLoans @GetFundLoans]

FundLoans qualified this borrower with a P&L statement to avoid sourcing large deposits and to provide an overview of the business. We helped the them lower their rate, pay off an imminently due construction loan, and get cash-out, all without showing a single bank statement.

[FundLoans @GetFundLoans]

We make exceptions for strong borrower profiles. Although we usually require 50% ownership on business bank statement loans, we got this deal done even though the borrower was only a 35% owner. FundLoans made an exception due to the strong deposits, credit history, and low DTI.

[FundLoans @GetFundLoans]

FundLoans can do a cash-out refinance up to $4 million. In this case, we financed a smooth bank statement deal for a Florida resident.

Loan Details:
Location: Pinecrest, FL
Loan Program: Apex – 12-month Bank Statement Program
Loan Amount: $3,465,000
Credit Score: 776

[FundLoans @GetFundLoans]

This borrower was involved in a short-term private note, and we facilitated an assets only loan for them, in which they only needed to show enough to cover the loan amount, closing costs, prepaids, and reserves. We opted for this approach out of necessity and simplicity.

[FundLoans @GetFundLoans]

This borrower was involved in a short-term private note, and we facilitated an assets only loan for them, in which they only needed to show enough to cover the loan amount, closing costs, prepaids, and reserves. We opted for this approach out of necessity and simplicity.

[FundLoans @GetFundLoans]

FundLoans was able to use personal bank statements to qualify income in the form of transfers from multiple business entities for this borrower. The combination of great income, low LTV and a stunning property allowed us to refinance this borrower out of first and second liens.

[FundLoans @GetFundLoans]

This deal came to us after another lender refused to qualify this self-employed borrower based on his earnings. We stepped in, qualified the borrower using only a profit & loss statement, and closed the deal in 3 weeks!

Loan Amount: $4,290,000
Credit Score: 743

[FundLoans @GetFundLoans]

FundLoans financed a 12-month business bank statement loan for a high-net-worth borrower with a complex schedule of real estate owned. The broker team submitted a very detailed file and worked quickly to get us the conditions needed to close the file quickly (20 days total).

[FundLoans @GetFundLoans]

"The Name Speaks for itself, FUNDLOANS, these guys will get the job done, exceptions are common, and common sense underwriting is really a thing here. Will gladly be bringing more loans back."

[FundLoans @GetFundLoans]

Typically, FundLoans offers up to 65% LTV on loans over $4 million. However, due to the borrower's low DTI, high FICO score, excellent credit history, and extensive medical career, we made an exception for 70% LTV. This loan went from Initial UW to funding in 10 days.