Programs

Every program, one desk. Three headline stats up front; open a card for the full guidelines.

Wholesale Loan Programs for Mortgage Brokers

Every Defy Wholesale program in one place: DSCR, Non-Agency, Foreign National, ITIN, 5-9 unit, and mixed-use scenarios — built for brokers who need answers fast.

Every program, one desk. Three headline stats up front; open a card for the full guidelines.

Programs

DSCR

Get into the VOLT with No Income, No Employment Business Purpose Lending.

SCORE: 620
Max Loan: $3.0M
Max LTV: 85% Purchase 80% Cash-Out
Best for: Investors using rental income only, No-hassle DSCR transactions

Min DSCR 0.750
80% Purchase / 80% Cash-Out (720+)
Up to $3.0M loan amount
FICO scores as low as 620
No Score / Foreign National eligible
In-House Exceptions
STR income allowed (AirDNA)
30 & 15-Yr Fixed · 30-Yr I/O (10-Yr IO)
Cash-In-Hand up to $1M (≤65% LTV)
First-Time Investor eligible (700+, DSCR 1.00x)
Vesting in LLC / Corp / LP / LLLP
Gift funds OK after 10% borrower contribution

Non-Agency

Cradle to Grave NonQM Programs

SCORE: 620
Max Loan: $5M
Max LTV: 90%
Best for: Self-employed borrowers who can't qualify on tax returns

Bank Statements - Blend with other income types
1099 Only — Treated as SE
P&L Only — No Bank Statement Options
1-Year SE Options
Asset Inclusion
40-yr Fixed · 40-yr IO
Up to 90% LTV No MI
Use Highest Middle Score
DTI up to 50% (55% Primary w/ comp factors)
Primary · 2nd Home · Investment
Cash-Out up to 80% LTV
First-time Homebuyers allowed
Gift funds for down payment & closing

Programs

Wholesale Loan Programs for Mortgage Brokers

Programs

DSCR

Non-Agency

Wholesale, TPO and Non-QM Lending

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