Forward Lending - Wholesale Lending for Mortgage Brokers


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No Licensing, Not a Problem

With our Business Purpose loans you don’t need to be licensed in certain states where we are licensed. We can fund with our Forward Lending License.

States may have other or additional requirements, check with your Account Executive.

What's a Business Purpose Loan?

A business purpose loan is used to purchase an investment property or a cash out refinance where the funds are used for any business purpose.  The property collateralized can be non-owner occupied if the funds are used for business. You can work directly with real estate investors and business owners who are looking for this type of loan to either purchase an investment property or looking for funds to enhance their current one.

DSCR Loans

Cash-Flow Debt Service Coverage

DSCR for Investors Program Highlights

  • DSCR = Gross Income divided by PITIA
  • Max loan amount $3,500,000
  • 1-4 family properties and condominiums permitted 
  • 85% LTV for Purchase, Rate & Term Refi
  • 75% LTV for Cash-Out Refi
  • Down to 620 FICO
  • Non-Warrantable Condos OK
  • Investment Properties only
  • Gift Funds allowed
  • No limit on Financed Properties 

Beyond DSCR Loans

Tailor-made financing for real estate investors

Beyond DSCR Program Highlights

  • No Ratio Requirement* (1-4 units only)
  • No Minimum FICO (up to 50% LTV)
  • Mixed Use
  • 5-8 Units
  • Automotive
  • Adult Care Facility

Licensing Requirements for Business Purpose
(Hover over the state for specific information)

Often business owners, especially small ones, find it difficult to get approved by larger institutions such as banks, therefore its to their advantage to work directly with you.  Here’s the advantage to partnering with us as your lender to serve these customers:

No License Needed

Mortgage Broker License Required

Real Estate Broker License Needed

State Mortgage License Required

Money Broker License Required

We do not lend, financing not available

Partner with the a lender who provides clients with the trust, knowledge, and expertise to help them expand their pipelines. Get Approved today!

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