Standard Doc Loans for W-2 and Full Documentation Borrowers

Traditional qualification based on W-2s, pay stubs, and tax returns.

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Standard doc

About program

Standard Doc program, also knows as a Full Doc loan, follows conventional income verification guidelines. Borrowers demonstrate theirability to repay by providing standard documentation such as W-2 forms, pay stubs, and 1-2 years of tax returns. This program is oftenideal for borrowers with a stable employment history and verifiable income who seek competitive rates and straightforward underwriting.

Min 620 FICO – Up to 90% LTV

Key features

No tradeline requirement w/ 3 credit scores
Non-perm up to 90% LTV
DTI up to 55%
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Required to Disclose

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.

Required to Underwrite
(in addition to above)

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.

FAQ

Other programs

Bank statements

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
Business or personal
50% standard expense
Min 10% expense with accountant letter
Non-perm up to 90% LTV
Unlimited cash-in-hand
3 month cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Profit & loss only

Min 660 FICO – Up to 80% LTV

No tradeline requirement w/ 3 credit scores
No bank statements
12 or 24 months accepted
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
3 months cash-out seasoning allowed
SFR, condotels, condos, studios, 2-4
Loan amounts up to $3m
CPA, EA, CTEC, PTIN

Asset utilization

Min 640 FICO – Up to 85% LTV

No tradeline requirement w/ 3 credit scores
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m
100% of checking, savings, money market
70% of stocks, bonds, mutual funds
Divide by 84

DSCR loans (1–4 units)

Min 620 FICO – Up to 80% LTV

No deposit sourcing
No minimum DSCR ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
Unlimited cash in hand ≤65% LTV
SFR, condos, 2-4 up to 80% LTV
Condotels and studios up to 75% LTV
2 months reserves
3 months cash out seasoning
Cash-out used for reserves
AIR DNA & STR income accepted
Loan amounts up to $3.5m
Unlimited 30 days lates allowed
Vacant properties allowed
Rural up to 20 acres allowed

Foreign national

No FICO or 680 – Up to 80% LTV

Bank statement and P&L up to 80% LTV
DSCR ≥ 1 up to 75% LTV
No DSCR ratio up to 65% LTV
6 months reserves
No deposit sourcing
No credit reference letters
No asset seasoning in US account
No visa
Loan amounts up to $1.5m
Condotels, studios, condos, 2-4 up to 70% LTV
ITIN borrowers allowed
No 3rd party primary address verification

1099 only

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
1 or 2 years - 1099 or transcripts
12/24 month average minus expense ratio
Non-perm up to 80% LTV
Unlimited cash-in-hand
3 months cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

DSCR (5–8 units & 2–8 mixed use)

Min 700 FICO – Up to 75% LTV

No deposit sourcing
Min DSCR of 1
No tradeline requirement w/ 3 credit scores
$1m cash in hand
Cash-out up to 65% LTV
Commercial space <50% allowed
Loan amounts up to $2m

Cross collateral

Min 660 FICO – Up to 70% LTV

No deposit sourcing
Min DSCR of 1.2
No tradeline requirement w/ 3 credit scores
Unlimited cash-in-hand
Minimum per property balance $50k
Minimum of 3 properties
Maximum of 25 properties
Cash-out up to 65% LTV

WVOE only

Min 660 FICO – Up to 80% LTV

No tradeline requirement w/ 3 credit scores
No tax return, W2, or paystubs
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, 2-4
Loan amounts up to $3m
2 months bank statements required

Closed end second

Min 660 FICO – Up to 90% CLTV

Cash-out used for reserves
Loan amounts up to $500k
Combined loan amount up to $5m
Standard doc, bank statements, P&L, WVOE, & 1099 income types
Primary, second homes, and investment
AVM only for loan amounts <$250k
Non-permanent residents allowed

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Alternative ways to qualify

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Standard Doc Loans for W-2 and Full Documentation Borrowers

Standard doc loans

Bank statements

Profit & loss only

Asset utilization

DSCR loans (1–4 units)

Foreign national

1099 only

DSCR (5–8 units & 2–8 mixed use)

Cross collateral

WVOE only

Closed end second

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