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Non-QM and investor deals, priced fast.

See which programs your deal fits in seconds, then get pricing from me directly.

$200K–$20M loan amounts
DSCR to 0.75 plus no-ratio
FICO from 600
Foreign nationals welcome

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How is the borrower qualifying?

Income docs DSCR (rents)

Income documentation

DSCR ratio Months of reserves

Loan

Purchase Rate/term Cash-out

Price or value (lower of) Loan amount

LTV 80.00%

Cash in hand to borrower

Borrower

Credit score Residency

DTI % Months of reserves

Self-employed 2+ years (needed for alt doc) First-time homebuyer First-time investor (no investment property owned/managed recently)

Credit history

Worst housing late, last 12 mo Months since BK/FC/SS/DIL/mod

Housing late in months 13–24 More than one credit event in history

Property

Primary Second home Investment

Units Property type

State Acres

Special location

Rural property

Short-term rental Unleased / vacant (refinance) Qualifying rent above 120% of the 1007 Non-arm's-length transaction

Other factors

Check anything that applies. These mostly decide TransAm vs Viper.

Interest-only Gift funds Large deposits that can't be sourced Open collections/charge-offs over $2,500 Declining market per appraisal Subordinate financing 2-1 buydown Self-employed with under 25% ownership Borrower works in the cannabis industry P&L not professionally prepared 1099s issued to the borrower's LLC Commingled personal/business bank account Condotel: studio unit or "hotel/motel" in project name No 12-month housing history (living rent-free) Borrower already has $7.5M+ or 10+ loans with CapitalEdge Property outside a major metro area (jumbo)

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Results Get pricing

Programs from CapitalEdge Funding (JLD Capital, LLC dba CapitalEdge Funding, NMLS #2610804). Matrices: Consumer Purpose, DSCR 1–4, DSCR 5–10, Foreign National (rev. 7/5–9/15/2026), Bronco (9/3/2026) and Vanquish (7/1/2026). Results are a quick screen of the matrices, not an approval. Full guidelines, pricing and underwriting control. For licensed mortgage professionals only. Not for distribution to consumers.