See our list of the best lenders for Stated Income/Verified Asset, NIVA and Alternative Documentation Loans through Commercial and Residential Lenders, Hedge Funds, Private Parties, Private Money, REITs and Banks nationwide. Go to: RTCapitalAdvisors.com

Submit loan requests online and close your loan from our list of preferred Lenders in a secure portal, check your loan status from any device, any time.

Private Money Loans and Commercial Loans are also available on a retail and wholesale basis to Brokers and Realtors.

When submitting a file larger than 7 attachments, please put it in a Dropbox file. 

The general public can apply for all loan products directly.

Home Equity Line of Credit (HELOC)
No Income-Verified Assets (NIVA)
Must provide proof of at least 12 months of PITIA reserves.

Owner-Occupied, Non-Owner Occupied and Second Homes, SFR’s, 2-4’s and Condos.
680+ FICO needed. BK and Lates OK after 2 years seasoning.
Loan amounts from $150,000 – $5,500,000.
Up to 60% CLTV to $1,000,000 loans outstanding (including new HELOC)
Up to 50% CLTV to $5,500,000.
.5 floating over WSJ Prime in 1st position.
1.5 floating over WSJ Prime in 2nd position or paying off liens. No floor.10-year draw period, 20-year amortization.

Available only in: The NYC boroughs, CA (SF, Alameda, Santa Clara, San Mateo, San Joaquin, LA, Orange, San Diego and Sacramento Counties) Las Vegas, Seattle WA, Atlanta GA and Boston MA
Fees: Negotiable

No Income
Verified Assets (NIVA) loan
Investment and Owner-Occupied Properties.
680 mid FICO, SFR’s, 1-4’s, Condos and PUD’s
30 or 15 year fixed, 3, 5 or 7/1 ARMs
Purchase: 70% LTV to 2M, up to 100% of the down can be gifted
Refinance: 65% LTV to 2M
Cash out: 60% to 1M, 50% LTV to 5M.
Reserves as low as 6 months. No CPA Letter needed with 18+ months reserves.
New on the Job or Business OK.
Employer and income to be left blank on application with 18+ months reserves.
Less than 30 days to close.
No maximum number of properties financed or owned.
No maximum acreage on non-agricultural properties.
Foreign national ok, no Social Security or US status needed
Available: CA, NV, WA, TX, GA, IL, MA, MD, NJ and NY.
Fees: Negotiable

Light Documentation
for business owners or employees.
Qualifying: The qualifying income with a 45% DTI based on debts on the credit report and with the new mortgage. Proof of 6 months PITIA reserves for the subject property seasoned in the bank for 60 days on Owner Occupied and 12 months reserves on all debt on non-Owner properties.

Self-Employed for the last 2 years: Last year taxes are required or last 24 months bank statements averaged.
Employees: No Taxes, only w2’s and paystubs for Primary Residence.
3, 5, 7 and 10/1 ARM’s, 15 and 30 year fixed.
Owner-Occupied, 2nd homes and Investment properties, SFR’s and 1-4’s.
LTV up to 80% for a purchase, Gift funds allowed.
70% rate and term or cash-out refinance.
Minimum FICO 620.
Available: Nationwide.
Fees: Negotiable.

Private Money
Private Party Loans for owner and non-owner-occupied properties.
Commercial and Residential Loans for purchase or refinance up to 80% LTV.
Terms: 1, 2, 3, 4 or 5-year loans amortized for 30 or 40 years.
NO minimum FICO score required.
Choose a pre-pay period.
7 days close of escrow in CA.
Investor Loans, REO financing, Interest only available.
Any number of properties owned allowed.
Interest reserve options.
Unlimited cash out.
Bankruptcy/Foreclosure rescue OK.
No title seasoning required.
Available: Nationwide.
Fees: Negotiable