Verus Mortgage Capital

·         Lending directly to real estate investors in most states

DSCR Program

·         Under .75 ratio allowed, with restrictions

·         100% gift funds allowed

·         Use the highest mid-score of all qualifying borrowers

Super Jumbo and DSCR Super Jumbo Non-QM Financing

·         up to $5M

Expanded Investor Property Types (DSCR)

·         Financing available for 5–8 unit residential properties

·         Financing available for 2–8 unit mixed-use properties

Verus Self-Securitization Model

·         Approximately $1 billion funded monthly

·         One of the industry’s larger self-securitizers of Non-QM loans

·         Provides greater consistency, execution, and flexibility for nuanced borrower scenarios

55% DTI program – Prime Ascent

·         Primary residence only

·         Min residual income of $3,500

·         Max LTV/CLTV <= 80%

·         Standard Doc 2-years

·         Minimum 6- months reserves

·         First time homebuyer not eligible

Foreign Nationals

·         RON closing permitted

·         100% gift funds allowed

·         No foreign credit required

ITIN’s

·         Primary and 2nd homes

·         100% gift funds allowed

Verus Product Highlights NICHEs (2026)

PRIME ASCENT (Non-QM / Non-Agency) - Ideal for self-employed or high-net-worth borrowers.

• LTVs: Up to 90% (Primary) | 85% (NOO & 2nd Homes)
• Credit: FICO down to 660 (Standard) / 620 (Select cases)
• Loan Amounts: Up to $4M
• Alt Doc Options: 12/24 Month Bank Statements, P&L Only, 1099, WVOE, & Asset Utilization
• Flexibility: DTI up to 50% (Alt Doc) to 55% (Standard)
• Property Types: Rural properties, Condos, and Condotels (to 85% LTV)
• Key Perk: No tradeline requirements with 3 credit scores; 100% gift funds allowed.

INVESTOR SOLUTIONS (DSCR) - The industry standard for professional real estate investors.

• LTVs: Up to 80% | FICO down to 640
• Property Types: 1-4 Units, 5-8 Units, and 2-8 Unit Mixed-Use
• No Ratio: "No Ratio" options available for maximum leverage.
• STR Friendly: Short Term Rental/Airbnb allowed (90% of rents used); AirDNA accepted.
• Entity Closing: Close in LLC or Corporation; unlimited financed properties.
• Cash-Out: Up to $1M cash-in-hand.

FOREIGN NATIONAL - Capture global capital with simple DSCR-based qualifying.

• Max LTV: 75% | Loans up to $2.5M
• No US Credit: No foreign or US credit/housing history required.
• Leverage: DSCR < 1.00 / No Ratio allowed.
• Flexibility: 100% gift funds allowed; STR/AirDNA eligible.

SUPER JUMBO - For your high-value luxury listings.

• Loan Amounts: Up to $5M
• FICO: Down to 700
• Docs: Full Doc, Bank Statements, or Asset Utilization.
• Cash-Out: Up to $1.5M cash-in-hand.

ALT DOC 2ND LIENS & HELOCs - Unlock equity without losing a low first-mortgage rate.

• CLTV: Up to 85%
• FICO: Down to 680
• Income: 12/24 Month Bank Statements or 1099 (CES).
• Max Cash: $750k cash-out.

ITIN (Standard & Alt Doc) - Expanding homeownership to ITIN holders.

• LTV: Up to 80% | Rural properties allowed.
• Docs: Full Doc, Bank Stmts, 1099, WVOE, or P&L.
• Easy Process: Google Translate accepted for docs; only 30-day asset verification.