Loan Products | Athas Capital Group

Non-Prime O/O Consumer Purpose

For the owner-occupied borrowers with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of finance with lower than expected rates. This program varies between traditional income documentation to alternative forms of proof of income documentation. Athas even finances borrowers with fico scores as low as 550! Our maximum DTI is as high as 55% with LTV’s as high as 90%. We offer a creative solution for hard to finance owner-occupied homes.

Alternative Doc: VOE only, 1099 only, K1 only, P&L only (no bank statements)
Traditional Alt Doc: 12 and 24 months personal or business bank statements
Traditional Full Doc: W2’s & Paystub (wage earner), 1040’s (self-employed)
$50,000 – $4,000,000
Lending to Individuals and Trusts
5/1, 7/1 arms and 30 year fixed
DTI’s up to 55%
LTV’s up to 90%
No liquid cash reserves needed up to 85% ltv
Rates as low as 4.50%
100% Gift Funds – OK
Gift of equity-OK
Non-Warrantable Condo – OK
Condotels – OK
Lease Option Buyout using current appraised value – OK
Rural Properties – OK
Green Card Holder – OK
ITIN borrowers – OK

Non-Prime N/O/O Business Purpose

Borrowers looking to refinance N/O/O SFR, Condo, and 2-4-unit properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

No Income Proof Needed
All Loans are N.I.V. (No Income Verified)
No Income stated on 1003
LTV up to 80%
No DTI Ratios
DSCR ratios as low as .75
Rates as low as 5.25%
Up to a 2 Point Rebate
Loan Amounts from $50,000 – $3,000,000
Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.
Property Types Include: SFR, Condo, 2-4 Units
Interest Only Option Available
Foreign Nationals – OK
100% Gift Funds – OK

Long Term Hard-Money Bridge

No Balloon payments – 30 year fully amortized
No Income Proof Needed
All Loans are N.I.V. (No Income Verified)
No Income stated on 1003
LTV up to 75%
No DTI Ratios
No DSCR calculated
Rates as low as 6.25%
Up to a 2 Point Rebate
Loan Amounts from $50,000 – $3,000,000
Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.
Property Types Include: SFR, Condo, Condotels, 2-4 Units
Interest Only Option Available
Foreign Nationals – OK

Hard-Money Bridge

Every borrower deserves a loan, and with our bridge loan product they can get it. Those borrowers looking to refinance N/O/O SFR, Condo’s, Condotels, and 2-4-unit properties, we have a loan for them. We even finance properties in rural areas and those with minor deferred maintenance. With increased loan amounts and just about any credit profile, ACG is the home for your next bridge loan request. Our bridge products are usually used by Real Estate owners that only want to borrow money for a short period of time (up to 36 months), then want to exit out of our loan to obtain bank financing.

No Income Proof Needed
All Loans are N.I.V
No Income Stated on 1003
No DTI Ratios
No DSCR calculated on residential properties
Rates as low as 6.99%
LTV up to 75%
Loan Amounts from $50,000 – $8,000,000
Lending to LLC’s, S-Corp, C-Corp, Trust or Individuals.
Property Types Include: SFR, Condo, Condotels, 2-4 Units
Interest Only Option Available
Foreign Nationals – OK
100% Gift Funds – OK
Properties with minimal Deferred Maintenance – OK
Rural Properties – OK

NMLS Consumer Access – http://www.nmlsconsumeraccess.org

Athas Capital Group, Inc.

27001 Agoura Road Suite 200 Calabasas Hills, CA 91301
Phone: 1-877-877-1477
Email: info@athascapital.com

Licensed under the Department of Business Oversight California Financing Lender Law. Loans made or arranged pursuant to a California Financing Lenders Law License # 603 F869 NMLS# 27523