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Loan Inquiries



  • Up to 80% LTV
  • No Foreclosure, Short Sale, or BK Seasoning
  • 50% DTI
  • Bank Statements for Income to 80% LTV
  • ATR-In-Full & Asset Depletion, No Income or Employment Requirement
  • NO Reserves, NO Prepayment Penalties
  • Loan amounts up to $7.5 million

One Month Bank Statement & VOE

  • Self-employed Borrowers (two-year history required by (i) CPA Letter or (ii) Articles of Inc.)
  • U.S. residents
  • Borrowers with a minimum Credit Score of 675
  • Purchase Max LTV of 75% and Refinance Max LTV of 70%
  • Loan amounts up to $7.5 million

Outside Dodd-Frank®(ODF)

  • No Reserves
  • Up To 75% LTV
  • Interest Only payment available
  • 1 to 4-unit properties
  • Loan amounts up to $3 million

Outside Dodd-Frank® Plus(ODF+)

  • 5 to 100-unit properties
  • Retail, Office, Multi-family, Hospitality, Storage Facilities, Strip Malls, Schools or Daycare Centers, Healthcare, Hotels and Motels
  • Up to 75% LTV
  • Interest Only payment available
  • Max 65% Purch & 60% Refi
  • Loan amounts up to $7.5 million

Property Locations:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Nevada, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming.


Broker may obtain Appraisal via licensed Appraisal Management Company.

*For mortgage professionals only. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Rates, terms and programs are subject to change without notice.

If you would like to submit a loan application to Citadel Servicing Corporation (“CSC”) for consideration please speak with your Account Executive. Any applications for loans, and any documents, forms and/or information in support thereof (“Loan Application”) emailed to your Account Executive shall not be considered a loan submission. Upon speaking with your Account Executive, you will be advised of the process and procedures for submitting a Loan Application to CSC. The content in this communication is provided for informational purposes only and should not be considered legal advice. Should you have questions regarding TIL –RESPA Integrated Disclosures and how they impact your business, please contact your legal counsel.