For borrowers with significant eligible assets that can't qualify with traditional documentation

SmartFunds was designed to provide attractive financing for borrowers qualifying primarily with liquid assets. It features loans up to $3M, with no employment, income or tax documentation required!



  • Loan Amounts up to $3,000,000
  • No employment or income documentation
  • 90% LTV Purchase/Rate Term No MI
  • 85% LTV Cash out No MI
  • $1,000,000 Cash-in-hand/debt payoff
  • Up to 15 financed properties
  • Fixed 30; ARM 5/1, 7/1, 10/1 all with optional Interest Only
  • 4+ years derogatory credit; 680 FICO
  • Reserves waived for RT Refis where LA<$1.5m, 0x30x12, and decreasing mortgage payment

For Borrowers Qualifying Using Liquid Assets Rather Than Employment or Income


Here's how it works:

Simply put, we add up all their eligible assets and subtract the entire loan amount and closing costs. Then we compare that to their total monthly obligations over 5 years plus reserve requirements. If qualifying assets are greater than their total obligations and reserves, they qualify.


Refer to guidelines to determine which assets may be used and to what extent.  


Find the forms and information you need, any time you need to access them.