TQL Matrix -- Non-QM Product Intelligence

DSCR Long-Term Rental Programs

Click any investor row to expand the full LTV grid by FICO and Loan Amount

Investor

Program

Min FICO

Max Loan

Min DSCR

Sub-1?

IO?

Condotel?

Key Notes

AHL

INVEST STAR DSCR

660

$3M

No min

YES

5-10 units eligible, No rural, FN eligible

LTV Grid: DSCR >= 1.00 (Investment)

FICO	Purchase	R&T	C/O	Purchase	R&T	C/O	Purchase	R&T	C/O	Purchase	R&T	C/O
	≤$1M			≤$1.5M			≤$2M			≤$3M
760+	85%	80%	75%	80%	75%	70%	75%	70%	65%	70%	65%	60%
740-759	85%	80%	75%	80%	75%	70%	75%	70%	65%	70%	65%	60%
720-739	80%	80%	75%	75%	75%	70%	70%	70%	65%	65%	65%	60%
700-719	80%	75%	75%	75%	70%	65%	70%	65%	60%	65%	60%	60%
680-699	75%	75%	70%	70%	70%	65%	65%	65%	60%	60%	60%	60%
660-679	70%	70%	65%	65%	65%	60%	60%	60%	55%	55%	55%	55%

LTV Grid: DSCR 0.75-0.99

FICO	≤$1M			≤$1.5M			≤$2M
	P	R&T	C/O	P	R&T	C/O	P	R&T	C/O
760+	75%	70%	70%	70%	65%	65%	65%	60%	60%
740-759	75%	70%	70%	70%	65%	65%	65%	60%	60%
720-739	75%	70%	70%	70%	65%	65%	65%	60%	60%
700-719	75%	70%	70%	70%	65%	65%	65%	60%	60%
680-699	70%	65%	65%	70%	65%	60%	65%	60%	60%
660-679	70%	65%	65%	65%	65%	60%	60%	60%	60%

Property Type Restrictions

2-4 Unit: P 80% / R&T 80% / C/O 75%
5-10 Unit: P 75% / R&T 70% / C/O 65% (Min 1.10 DSCR, 680 FICO, US Citizen only)
NW Condo: P 75% / R&T 75% / C/O 70%
Condotel: P 75% / R&T 70% / C/O 65% (680 Min FICO)
IO: P 75% / R&T 70% / C/O 65% (700 FICO for sub-1: 70% max)

Reserves

6 Mo PITIA standard; 3 Mo with 720+ FICO & LTV<=80 (Purchase); 12 Mo for >$1.5M, DSCR<1, >80% LTV, Foreign Nationals

Champions

Accelerator DSCR

600

$3M

No min

YES

Down to 600 FICO, No rural, PPP required

LTV Grid: DSCR >= 1.00 (Investment)

FICO	≤$1M			≤$1.5M			≤$2M			≤$2.5M			≤$3M
	P	R&T	C/O	P	R&T	C/O	P	R&T	C/O	P	R&T	C/O	P	R&T	C/O
740+	80%	80%	75%	80%	80%	75%	75%	75%	70%	70%	70%	65%	65%	65%	60%
720	80%	80%	75%	80%	80%	75%	75%	75%	70%	70%	70%	65%	65%	65%	60%
700	80%	80%	75%	80%	80%	75%	75%	75%	70%	70%	70%	65%	65%	65%	60%
680	75%	75%	75%	75%	75%	75%	70%	70%	70%	--	--	--	--	--	--
660	75%	75%	65%	75%	75%	65%	70%	70%	60%	--	--	--	--	--	--
640	75%	75%	60%	75%	75%	60%	60%	60%	60%	--	--	--	--	--	--
620	65%	65%	--	65%	65%	--	55%	55%	--	--	--	--	--	--	--
600	60%	60%	--	60%	60%	--	55%	55%	--	--	--	--	--	--	--

Property Restrictions

Condotel: 5% LTV reduction from matrix. FL condos >70% LTV require Full Condo Review
IO: Min 660 FICO, Max P/R&T 75%, C/O 70%. IO DSCR uses ITIA.

Deephaven

DSCR

640

$2.5M

0.75x

YES

FN eligible ($1.5M max), Rural 65% LTV purch only

LTV Grid: DSCR >= 1.00 (Investment)

FICO	P&R&T ≤$1.5M	C/O ≤$1.5M	Notes
720+	80%	80%
700-719	80%	75%
680-699	80%	75%
640-679	70%	65%
Foreign Nat'l	70%	65%	Max $1.5M, Min DSCR 1.00, 6mo reserves

LTV Grid: DSCR < 1.00 (Min Loan $200K)

FICO	P&R&T ≤$1.5M	C/O ≤$1.5M
720+	75%	70%
700-719	75%	65%
680-699	70%	65%
640-679	N/A	N/A

Key Details

NW Condo: Max 75% LTV
IO: Max 80% LTV, Min DSCR 1.00x
Reserves: 3mo PITIA ≤$1M, 6mo >$1M, 6mo for DSCR<1 and FN
Rural: 65% max LTV, Purchase only, LTR only, DSCR>1.0

Inv Solutions

DSCR (1-4 Unit)

640

$3.5M

Sub-1 OK

YES

STR eligible, Rural 75%P/70%RT, 5ac max

LTV Grid: DSCR >= 1.00

FICO	P ≤$1M	R&T ≤$1M	C/O ≤$1M	P ≤$1.5M	R&T ≤$1.5M	C/O ≤$1.5M	P ≤$2M	R&T ≤$2M	C/O ≤$2M
740+	85%	85%	80%	See ≤$2.5M grid
720	85%	85%	80%	≤$1M only
700	80%	80%	80%	80%	80%	80%	70%	65%	65%
680	75%	70%	70%	≤$1M only
660	80%	75%	75%	70%	65%	70%	70%	65%	65%
640	65%	65%	--	75%	70%	75%	60%	--	--

Sub-1 DSCR: 5% LTV reduction from above, 80% max, 70% max C/O

Property Restrictions

2-4 Unit & Condo: P 75% / Refi 70%
Condotel: P 75% / Refi 65% (Max $1.5M)
IO: 680 min FICO, P/R&T 75%, C/O 70%
Rural: P 75% / Refi 70% (5ac max)

Verus/IS

DSCR (1-4 Unit)

640

$3.5M

Sub-1 OK

YES

Same as Inv Solutions grid, STR/Rural eligible

LTV Grid: DSCR >= 1.00

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O	P ≤$3M	R&T	C/O
700+	80%	75%	75%	80%	75%	75%	75%	70%	70%	75%	70%	70%
660	75%	75%	70%	75%	70%	70%	70%	65%	65%	65%	--	--
640	75%	70%	--	65%	65%	--	65%	--	--	60%	--	--

Sub-1 DSCR Grid

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O
700+	75%	70%	70%	75%	70%	70%
680	70%	65%	--	70%	65%	--
660	65%	--	--	--

LoanStream

Core DSCR (1.0)

620

$3.5M

1.0x

YES

>80% LTV requires 1.20 DSCR. STR eligible. Rural 65%

LTV Grid (Investment)

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O	P ≤$2.5M	C/O
720+	85%	85%	75%	85%	80%	75%	80%	60%	75%	80%	75%
700	80%	75%	75%	80%	75%	75%	75%	75%	70%	75%	70%
680	80%	85%	75%	80%	70%	75%	75%	75%	70%	75%	70%
640	75%	80%	70%	70%	80%	65%	70%	65%	--	70%	65%
620	70%	65%	65%	65%	75%	60%	60%	--	55%	60%	55%

Key Rules

DSCR > 80% LTV requires min 1.20 ratio
NW Condo: 75% max (FL 65%)
2-4 Unit: 80% max
IO: 700 min FICO, $1.5M max, 75% P, 65% C/O
Rural: 65% max LTV, no STR on rural

LoanStream

Select DSCR (1.25)

620

$3.5M

1.25x

SFR/PUD only, No rural/STR/condo, Experienced only

LTV Grid (Investment, DSCR 1.25+)

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	C/O
720+	75%	75%	70%	75%	75%	70%	70%	65%
700	75%	75%	70%	75%	--	70%	70%	--
680	--	75%	--	--	65%	--	--	--
640	--	70%	--	--	60%	--	--	--

3 mo reserves, cash-out cannot be used. Exp investor required. 3yr min PPP.

Ellington

DSCR

660

$3M

0.75x

YES

STR allowed (restrictions), No rural, No FN

LTV Grid: DSCR > 1.00

FICO	P <$1M	R&T	C/O	P <$1.5M	R&T	C/O	P <$2M	R&T	C/O	P <$3M	R&T	C/O
760+	85%	80%	75%	80%	75%	70%	75%	70%	70%	70%	65%	65%
740-759	85%	80%	75%	80%	75%	70%	75%	70%	70%	70%	65%	65%
720-739	80%	80%	75%	75%	75%	70%	70%	70%	70%	65%	65%	65%
700-719	75%	75%	75%	70%	70%	70%	65%	65%	65%	60%	60%	60%
680-699	75%	75%	70%	70%	70%	65%	65%	65%	60%	60%	60%	55%
660-679	70%	70%	65%	65%	65%	60%	60%	60%	60%	55%	55%	55%

STR Restrictions

STR: 700 FICO min, DSCR 1.0 min, no condotel, no NWC
Max $1.5M loan for STR, 12mo reserves, no first-time investors
Max LTV: P 75% / Refi 70%

AD Mortgage

DSCR

660/No Score

$3M

Sub-1 OK

YES

FN eligible, ITIN eligible, No Score OK, STR/Rural/Mixed Use

Key Details

Max CLTV: 80%
No Score allowed. DSCR < 1 requires 680 FICO or No Score
IO: 120mo IO period, 240/360 amortization
Property types: SFR, Condo W/NW, Condotel, 2-4 Units, STR, Rural, Multifamily, Mixed Use
Reserves: ≤$1M 3mo, ≤$2M 6mo, >$2M 12mo
Credit Events: 48mo seasoning for BK/FC/SS/DL/Mod/Forbearance

DSCR Short-Term Rental (STR) -- Proof of Rent Requirements

Detailed STR documentation methods by investor

Investor Solutions / Verus DSCR STR

Max LTV P: 70-75% Max LTV Refi: 65-70% 20% Expense Factor DSCR Min 1.0

Method 1: STR Analysis Form or 1007/1025 by Licensed Appraiser

Must include source of data used
Include comparable STR properties focusing on room count, GLA, location, market appeal
Include daily rental rate and occupancy percentage
Factor seasonality and vacancy into analysis
Must be completed by a licensed appraiser

Method 2: 12-Month Rental History from 3rd Party Rental/Management Service

Statement must identify the subject property/unit
Rents collected for previous 12 months
All vendor management fees listed
Qualifying income must be net of all vendor or management fees

Method 3: 12-Month Bank Statements from Borrower

Must evidence short-term rental deposits
Borrower must provide rental records for subject property to support monthly deposits

Method 4: AirDNA Rentalizer / Property Earning Potential Report

Purchase transactions ONLY
Gross rents = revenue projection less 20% extraordinary expense factor
Forecast period: 12 months, dated within 90 days of Note date
Maximum occupancy: 2 individuals per bedroom
Must have 3 comparable properties (size, room count, amenities, availability, occupancy)
Market Score or Sub-Market Score must be >= 60

Expense Factor: 20% minimum. If actual expenses > 20%, use actual expenses. Formula: (Gross Rents * 0.80) / PITIA = DSCR. Income based on 12-month average for seasonality.

LoanStream Core DSCR STR

Experienced Investors Only 20% Mgmt Fee Reduction DSCR 1.0 min (1.20 if >80%)

Rent Documentation

Rents documented with 1007/1025 supported by 12 months history of payments OR AirDNA/Overview Report
Purchases: 12+ months STR rental history in last 3 years required
If < 12 months STR rental history: additional 5% LTV reduction
20% management fee reduction applied
Vacant properties allowed
Rural NOT allowed on STR
DSCR Fusion / Sub-1 / FN / No-Ratio: ineligible for STR

Property types: 1 Unit SFR, 2-4 Unit, PUD, Condo

AHL INVEST STAR DSCR STR

Max LTV P: 75% R&T 70% / C/O 70% DSCR Min 1.00

Purchase & Refinance

100% of income documented by 12-month history of deposits from eligible sources (Airbnb, VRBO)

Purchase Only

75% of income documented by 1007 or property management report
700 FICO required for 75% max LTV purchase
680 FICO minimum for program entry

0x30x12 mortgage rating required
Max $1,500,000 loan amount
Not permitted on 5-10 unit properties
FICO 680-719 & LTV>70% OR 660-679 & LTV>65%: Max $750K loan / $100K cash out

Deephaven DSCR STR

720 Min FICO 1.15x Min DSCR 5% LTV Reduction from Grid 75% Max LTV

Requirements

AirDNA/PropertyGuard report required on ALL STR transactions
CDA required
Purchase: AirDNA report, min 60% Occupancy Rate. Income = 80% of annual revenue / 12
Refinance: 12 months documented STR rental history
Must document 12 months short-term rental operator experience
No first-time investors
No 2+ Unit / Rural / Unique Properties

Champions Accelerator DSCR STR

P: 80% (680) R&T: 75% (720) C/O: 70% (720)

Refer to guidelines for STR documentation requirements
STR LTV per matrix with property-type adjustments

Ellington DSCR STR

700 Min FICO DSCR 1.0 min P: 75% / Refi: 70%

No condotel, no non-warrantable condo for STR
Max $1.5M loan, Min $150K
12 months reserves required
No first-time investors
0x30x12 mortgage rating
IO requires 700 FICO and max 75% LTV
Vacant properties ineligible for refinances
5% LTV reduction on declining markets

AD Mortgage DSCR STR

STR = eligible property type

STR listed as eligible property type on DSCR, Super Prime, and Prime programs
Refer to full guidelines for specific STR documentation requirements
Available on Investment occupancy

Full Doc -- Primary Residence Programs

Click rows to expand full LTV grids

Investor

Program

Min FICO

Max Loan

Max DTI

Max LTV P

IO?

Key Notes

AHL

ALL STAR Full/Alt Doc

660

$3M

50%

90%

YES

Primary & 2nd Home. Asset Qualifier, Income Lift, 1yr P&L.

Primary Residence LTV Grid

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O	P ≤$2.5M	R&T	C/O	P ≤$3M	R&T	C/O
760+	90%	85%	80%	90%	85%	75%	85%	80%	75%	80%	75%	70%	75%	70%	65%
740-759	90%	85%	80%	90%	85%	75%	85%	80%	75%	80%	75%	70%	75%	70%	65%
720-739	90%	85%	80%	90%	85%	75%	85%	80%	75%	80%	75%	70%	75%	70%	65%
700-719	90%	85%	80%	85%	80%	75%	85%	75%	70%	75%	70%	65%	75%	70%	60%
680-699	85%	80%	75%	85%	80%	75%	80%	75%	70%	70%	70%	65%	70%	70%	60%
660-679	80%	80%	70%	80%	80%	70%	80%	75%	--	70%	70%	--	70%	70%	--

Verus

Prime Ascent (Primary)

620

$4M

50%

90%

YES

Std/Bank Stmt/1099. Condotel. Down to 620.

Primary - Standard/Bank Statement/1099

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O	P ≤$2.5M	R&T	C/O
720+	90%	85%	80%	90%	85%	80%	85%	80%	80%	80%	75%	75%
700	90%	85%	80%	90%	85%	80%	85%	75%	70%	75%	70%	65%
680	90%	85%	75%	85%	80%	75%	80%	75%	70%	75%	70%	65%
660	80%	80%	75%	80%	75%	75%	75%	70%	65%	70%	65%	65%
640	80%	75%	70%	70%	65%	65%	65%	--	--	--
620	70%	70%	--	--

Deephaven

Expanded Prime

660

$3.5M

55%

90%

YES

Full & Alt doc. Rural purch only 75%.

Primary - Purchase & R&T (Full Doc)

FICO	≤$1.5M	≤$2M	≤$2.5M	≤$3M	≤$3.5M
720+	90%	85%	80%	80%	70%
700	85%	80%	75%	--
680	90%	85%	80%	--
660	85%	80%	75%	--

LoanStream

Core Non-QM

600

$4M

50%

90%

YES

Full & Alt doc. IO/ARM. Rural 70%. ITIN/DACA eligible.

Owner Occupied & 2nd Home

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O
720+	90%	85%	80%	90%	85%	80%	85%	85%	75%
700	90%	85%	80%	90%	85%	80%	85%	85%	80%
680	85%	85%	80%	85%	85%	75%	80%	80%	75%
640	80%	80%	75%	80%	80%	70%	75%	75%	--
600	80%	80%	75%	75%	75%	--	--

AD Mortgage

Super Prime

620

$4M

55%

90%

YES

Full & Alt. Rural SFR. STR. Condotel (Inv/2nd). $2.5M max P&L.

Max CLTV: 90% (NQM Full Doc, Bank Stmt), 85% (1099), 80% (WVOE, P&L, Asset Util, BS FTHB)
IO: 120mo IO, 240/360 amort
Reserves: ≤$1M 3mo, ≤$2M 6mo, >$2M 12mo
Credit Events: 48mo seasoning all events
Mortgage: 0x30x12 and 0x90x24

Prime Time

Standard & Alt Doc

620

$4M

50%

90%

YES

Same as Verus Ascent grid. Rural 80%P/75%RT. Condotel 85%.

Primary - Standard/Bank Statement/1099

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O
720+	90%	85%	80%	90%	85%	80%	85%	80%	80%
700	90%	85%	80%	90%	85%	80%	85%	75%	70%
680	90%	85%	75%	85%	80%	75%	80%	75%	70%
660	80%	80%	75%	80%	75%	75%	75%	70%	65%
640	80%	75%	70%	70%	65%	65%	65%	--	--
620	70%	70%	--	--

Ellington

NonQM Bank Statement

660

$3.5M

45%/50%

90%

YES

12/24mo BS. Rural 80% (10ac). No FN. No condotel.

Primary Purchase

FICO	<$1M	<$1.5M	<$2M	<$2.5M	<$3M	<$3.5M
760+	90%	90%	80%	80%	75%	70%
740-759	90%	90%	80%	80%	75%	70%
720-739	90%	90%	80%	80%	75%	70%
700-719	90%	85%	80%	75%	75%	--
680-699	85%	85%	80%	70%	70%	--
660-679	80%	80%	80%	70%	70%	--

Full Doc -- Investment Programs

Click rows to expand full LTV grids

Investor

Program

Min FICO

Max Loan

Max LTV P

Key Notes

AHL

INVEST STAR Full/Alt Doc

660

$2M

85%

Investment only. Rural 80%P/75%RT (680+, 10ac).

Investment LTV Grid

FICO	P ≤$1M	R&T	C/O	P ≤$1.5M	R&T	C/O	P ≤$2M	R&T	C/O
760+	85%	80%	80%	80%	80%	80%	80%	80%	80%
740-759	85%	80%	80%	80%	80%	80%	80%	80%	80%
720-739	80%	80%	75%	80%	80%	75%	80%	80%	75%
700-719	80%	80%	75%	80%	80%	75%	80%	80%	75%
680-699	80%	80%	75%	80%	80%	75%	75%	75%	75%
660-679	80%	80%	75%	80%	80%	75%	75%	75%	75%

Alt Doc -- Primary Residence Programs

Bank Statement, P&L, 1099, WVOE, Asset Utilization programs for owner-occupied

Investor	Program	Min FICO	Doc Types	Max LTV P	Notes
AHL	ALL STAR Alt Doc	660	1099, 12/24mo BS, P&L, Asset Qual, Income Lift	90%	2yr SE required for BS. Asset Qual: >110% of loan+reserves. 1yr P&L: 700 FICO, $150K-$2M, 12mo res.
Verus	Prime Ascent Alt Doc	620	12/24mo Personal/Business BS, 1099	90%	P&L/WVOE/Asset Util: separate grid, max 80% P. Fixed expense 50% for business BS.
Verus	Prime Ascent Plus	680	12/24mo BS only	80%	Fixed expense 50% for business BS. No P&L, WVOE, 1099, Asset Util.
Deephaven	Expanded Prime Alt	660	12mo BS, 1099, P&L, Asset Util	90%	P&L only w/o BS: 70% max P, 720 FICO, $2M max. Asset Util: 80% max, P&R/T only.
LoanStream	Core Non-QM Alt	600	1099, WVOE, Asset Util, BS, P&L+3mo BS, 1yr SE, Blended	90%	WVOE: 620+, 80% max. 1yr SE: BS only, 80% max, 660+.
AD Mortgage	Super Prime Alt	620	P&L, BS, Asset Util, WVOE, 1099	85-90%	1099: 85% max. WVOE/P&L/Asset: 80% max. $2.5M max for P&L.
Prime Time	Alt Doc	620	BS, P&L, 1099, WVOE, Asset Util	90%	P&L/WVOE/Asset Util: separate grid, 680+ min. Same as Verus Ascent.
Ellington	Bank Statement	660	12/24mo BS	90%	IO: 680 min, qualify on 30yr amort. Rural 80% 10ac. No condotel.

Alt Doc -- Investment Programs

Same alt doc types applied to investment occupancy

Investor	Program	Min FICO	Max Loan	Max LTV P	Doc Types	Notes
AHL	INVEST STAR Alt Doc	660	$2M	85%	1099, 12/24mo BS	2yr SE required. Rural 680+.
Verus	Prime Ascent (Inv)	620	$4M	85%	BS, 1099, P&L, WVOE, Asset Util	Same grid as primary for 2nd Home/Inv occupancy tier
Deephaven	Expanded Prime (Inv)	660	$3.5M	85%	12mo BS, 1099, P&L, Asset Util	5% LTV reduction vs full doc for alt doc at higher loan amts
LoanStream	Core Non-QM (Inv)	600	$4M	85%	All alt doc types	Non-occ coborrower: Full Doc & BS only, 80% max, 660+
Prime Time	Alt Doc (Inv)	620	$4M	85%	BS, 1099, P&L, WVOE, Asset Util	Same as Verus Ascent Inv grid

Bank Statement Programs -- Comparison

Investor	Terms	Min FICO	SE Required	Expense Ratio	Max LTV	Notes
AHL (ALL STAR / INVEST STAR)	12 or 24 mo Personal/Business	660	2yr same business	Service: 20/40/60% by FTE; Product: 40/60/80% by FTE. CPA letter min 10%.	90% (Primary)
Verus Prime Ascent	12 or 24 mo Personal + 2mo Biz; or 12/24mo Business	620	2yr	Business: Fixed 50%, or 3rd party min 10%, or 3rd party P&L	90% (Primary)
Verus Prime Ascent Plus	12 or 24 mo Personal + 2mo Biz; or 12/24mo Business	680	2yr	Same as Ascent	80%	Higher FICO, lower LTV. No P&L/WVOE/1099/AU.
Deephaven EP	12 mo Personal or Business	660	2yr	Per guidelines	90%	P&L only w/o BS: 720+ FICO, $2M max, 70% max P
LoanStream Core	12/24 mo	600	Per program	Per guidelines	90%	1yr SE: BS only, 660+, 80% max
AD Super Prime	12 or 24 mo	620	Per guidelines	Per guidelines	90%	$4M max loan
IS/Verus Prime Time	12 or 24 mo Personal + 2mo Biz; or Business	620	2yr	Business: Fixed 50%, or 3rd party min 10%	90%	Same as Verus Ascent
Ellington NonQM BS	12 or 24 mo	660	Per guidelines	Per guidelines	90%	Primary & 2nd Home only. Rural 80% 10ac.

Foreign National Programs

Investor	Program	Min FICO	Max Loan	Max LTV	Occupancy	Min DSCR	Reserves	Notes
AHL	ALL STAR (2nd Home)	680	$3M	75% P	Second Home only	N/A	12 mo	Default 680 when US credit unavailable. $150K min loan.
AHL	INVEST STAR DSCR	680	$3M	75% P	Investment	1.00	12 mo	Not eligible for 5-10 units or correspondent.
Deephaven	DSCR	N/A	$1.5M	70% P&R&T / 65% C/O	Investment	1.00	6 mo
AD Mortgage	FN DSCR	680/No Score	$500K	75%	Investment	1.00	3-12 mo	Max 43% DTI. 1 Bank Ref Letter. No Score OK.
AD Mortgage	FN Full Doc	680/No Score	N/A	75%	Investment	1.00	3-12 mo	2Y Full Doc, BS, Asset Util, WVOE, 1099.

ITIN Programs

Investor	Program	Min FICO	Max Loan	Max LTV P	Max LTV C/O	Doc Types	Notes
Deephaven	ITIN	680	$1.5M	80%	65%	Full Doc, 12mo BS, 1099, P&L	Primary only for P. 2nd/Inv: 70% P&R&T. No IO. No rural.
Verus	ITIN	660	$1.5M	80%	75%	Full Doc, Personal/Biz BS, 1099, WVOE	Primary & 2nd Home. Rural 75%P/70%RT (20ac). IO 680+.
AD Mortgage	ITIN	620/No Score	$3M	70%	70%	Full Doc, P&L, BS, Asset Util, WVOE, 1099	DSCR available (sub-1 needs 680). 48mo credit event seasoning.
LoanStream	Core Non-QM (ITIN)	660	$1.5M	85%	65%	Full Doc & 12mo BS only	80% max NOO. >80% LTV: $1M max. 0x30x12.

Rural Property Eligibility Matrix

Complete rural allowance by investor, program type, and LTV caps

Investor	Program	DSCR Rural?	DSCR STR Rural?	Full Doc Rural?	Alt Doc Rural?	Max LTV P	Max LTV R	Acreage	Conditions
AHL Invest Star	Full/Alt Doc	N/A	N/A	YES (680)	YES (680)	80%	75%/70%	10ac	Paved road, 2 comps in 5mi
AHL Invest Star	DSCR	NO	NO	N/A	N/A	--	--	10ac	No rural on DSCR
Verus	Prime Ascent Plus	N/A	N/A	YES	YES	80%	75%	20ac
Verus	Prime Ascent	N/A	N/A	YES	YES	80%	75%	20ac
Verus/IS	DSCR	YES	NO	N/A	N/A	75%	70%	5ac
Inv Solutions	DSCR	YES	NO	N/A	N/A	75%	70%	5ac
Deephaven	Expanded Prime	N/A	N/A	YES	YES	75%	N/A	N/A	Purchase only
Deephaven	DSCR	YES	NO	N/A	N/A	65%	N/A	N/A	Purchase only, LTR only, DSCR>1.0
LoanStream	Core DSCR	YES	NO	N/A	N/A	65%	N/A	N/A	No STR on rural
LoanStream	Core Non-QM	N/A	N/A	YES	YES	70%	N/A	N/A
AD Mortgage	Super Prime	N/A	N/A	YES	Per grid	Per grid	Per grid	N/A	SFR Rural eligible
AD Mortgage	DSCR	YES	See guide	N/A	N/A	80%	Per grid	N/A	SFR Rural eligible on DSCR
Prime Time	Full/Alt Doc	N/A	N/A	YES	YES	80%	75%	20ac
Ellington	NonQM BS	N/A	N/A	YES	YES	80%	N/A	10ac
Ellington	DSCR	NO	NO	N/A	N/A	--	--	--	Rural ineligible
Champions	Accelerator DSCR	NO	NO	N/A	N/A	--	--	10ac	No rural (non-rural up to 10ac OK)

Credit Event Seasoning

Investor	Program	BK	FC/SS/DIL	Mortgage Lates	Forbearance/Mod	Notes
AHL	ALL STAR	48 mo	48 mo	0x30x12	48 mo	All mortgages current at closing
AHL	INVEST STAR Full/Alt	36 mo	36 mo	0x30x12	36 mo	24mo exception: 75% LTV, $1.5M max
AHL	INVEST STAR DSCR	36 mo	36 mo	1x30x12	36 mo	0x30x12 for C/O w/ FICO<700 or LTV>70% or DSCR<1
Champions	Accelerator DSCR	Per guidelines
Deephaven	Expanded Prime	48 mo	48 mo	1x30x12	48 mo	Max 0x60x12
Deephaven	Non-Prime	24 mo	24 mo	0x60x12	24 mo	Recent event tier: 1x120x12
Deephaven	DSCR	36 mo	36 mo	0x30x12	36 mo
LoanStream	Select Non-QM	>48 mo	>48 mo	0x30x24	>48 mo	No multiple unrelated events
LoanStream	Core Non-QM	>36 mo	>36 mo	0x30x12	>36 mo	24mo: -10% LTV. 12mo: -15% LTV. BK13 w/pay: 12mo OK.
LoanStream	Core DSCR	>36 mo	>36 mo	1x30x12	>36 mo	BK13 w/pay: 12mo. 5% LTV reduction for events.
Verus	Prime Ascent Plus	>48 mo	>48 mo	0x30x12	>12 mo
Verus	Prime Ascent	>36 mo	>36 mo	1x30x12	>12 mo	24mo: 80%P/75%RT. 12mo: 70%P only.
Inv Solutions	DSCR	>36 mo	>36 mo	1x30x12	>12 mo	24mo: 75%P/70%RT&C/O
AD Mortgage	Super Prime	48 mo	48 mo	0x30x12, 0x90x24	48 mo
AD Mortgage	Prime	12 mo	12 mo	0x60x12	12 mo
AD Mortgage	DSCR	48 mo	48 mo	0x30x12, 0x90x24	48 mo
Ellington	DSCR	36 mo	36 mo	1x30x12	36 mo
Ellington	NonQM BS	48 mo	48 mo	0x30x12	48 mo
Prime Time	All Programs	>36 mo	>36 mo	1x30x12	>12 mo	Same as Verus Ascent

Reserve Requirements

Investor	Program	Standard	High LTV / Loan Amt	Cash-Out for Reserves?	Additional
AHL	ALL STAR / INVEST STAR	6 mo PITIA (LTV>65%); 0 mo (LTV<=65%)	12 mo for >$1.5M; 12 mo for FN; 12 mo for P&L	Per program	3 mo w/ 720+ FICO & LTV<=80 (Purchase)
AHL	INVEST STAR DSCR	6 mo PITIA	12 mo for >$1.5M, DSCR<1, >80% LTV, FN	YES (loan proceeds)	3 mo w/ 720+ FICO & LTV<=80 (Purchase)
Champions	Accelerator DSCR	Per guidelines	Per guidelines	Per guidelines
Deephaven	Expanded Prime	6 mo PITIA	9 mo for >$2.5M; 12 mo for >$3M	YES
Deephaven	DSCR	3 mo PITIA (≤$1M)	6 mo for >$1M, DSCR<1, FN	YES
LoanStream	Select Non-QM	6 mo min	12 mo for >$3M. +2 mo per addtl financed prop	NO
LoanStream	Core Non-QM	0 mo (OO ≤75%); 3 mo (OO >75%)	6 mo for >$2M; 12 mo for >$3M. +2 mo per addtl prop	YES	6 mo for OO Purchase/RT >80% (3 mo w/ 0x30x12)
LoanStream	Core DSCR	3 mo (>65% LTV)	6 mo for >$2M; 12 mo for >$3M	YES
Verus	Prime Ascent Plus	6 mo PITIA (<85%)	12 mo (>85%); 9 mo (>$1.5M)	YES
Verus	Prime Ascent	3 mo PITIA (≤80%)	6 mo (80-85%); 12 mo (>85%); 9 mo (>$1.5M); 12 mo (>$2.5M)	YES
Inv Solutions	DSCR	2 mo PITIA	6 mo (>$1.5M); 12 mo (>$2.5M)	YES
AD Mortgage	Super Prime	3 mo (≤$1M)	6 mo (≤$2M); 12 mo (>$2M)	Per guidelines
Ellington	DSCR	6 mo PITIA	12 mo for >$1.5M, DSCR<1, >80% LTV	YES	3 mo w/ 720+ FICO & LTV<=80 (Purchase)
Ellington	NonQM BS	Per program	Per program	Per program
Prime Time	All Programs	3 mo PITIA (≤80%)	6 mo (80-85%); 12 mo (>85%); 9 mo (>$1.5M); 12 mo (>$2.5M)	YES

Citizenship / Residency Eligibility

Investor	US Citizen	Perm Res	Non-Perm Res	Foreign Nat'l	ITIN	DACA
AHL (ALL STAR)	YES	YES	YES 75%P	YES 680+ 2nd Home	NO	NO
AHL (INVEST STAR)	YES	YES	YES 75%P	YES 680+ DSCR 1.0	NO	NO
Champions	YES	YES	See guide	NO	NO	NO
Deephaven (EP/NP)	YES	YES	YES	NO	YES (sep pgm)	NO
Deephaven (DSCR)	YES	YES	YES	YES $1.5M max	NO	NO
LoanStream Core	YES	YES	YES	NO	YES 660+	YES
Verus (Ascent)	YES	YES	YES	NO	YES (sep pgm)	NO
Inv Solutions	YES	YES	YES	NO	NO	NO
AD Mortgage	YES	YES	YES	YES (DSCR/FN pgms)	YES (ITIN pgm)	NO
Ellington (DSCR)	YES	YES	YES 740+	NO	NO	NO
Ellington (BS)	YES	YES	NO	NO	NO	NO
Prime Time	YES	YES	YES	NO	NO	NO

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