Florida's Leader in non-QM

Greetings from Pineyro Capital Group NMLS# 420112 - Florida's Leader in non-QM loans. As many of you know, our non-QM division is a leading provider in the industry in the state of Florida. Even though we have not had the pleasure to work with you all, we're excited to keep informing all and share any updates.

We are constantly implement and making positive enhancements in order to have you succeed.

On Our Florida Community No Ratio Mortgage

• Income & employment NOT stated on the application

Alt-Doc Express

• No minimum tradeline required w/ 3 scores
• Unlimited NSF’s
• 25% default expense factor if 100% owner
• Asset Assist - no cap on % of income
• ADU income allowed

Bank Statement

• 12 months proof of self-employment
• 100% deposits w/ personal bank statements
• S/E not required when using personal statements
• Use multiple income types to qualify

W-2 only

• No YTD paystub required

12-month P&L

• PTIN allowed

Asset Depletion

• Divide by 60 months

WVOE only

• EWVOE no bank statements required

DSCR

• AirDNA allowed
• I/O payments to qualify DSCR
• No RATIO options available
• Primary Residence NOT allowed
• Best rate and terms on a 1.2+ DSCR

All the solutions you’ve been missing to help your customers! Reach out to me today to dive deeper into how our products can help you grow your business.

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Pineyro Capital Group Inc., NMLS 420112, brings together over 50 years of collective real estate expertise exclusively within the State of Florida. Our seasoned team stands ready to cater to all your mortgage requirements. Whether you're a first-time homebuyer without a down payment, seeking to acquire a second home, or an investor aiming to initiate or expand a real estate portfolio, we deliver results. With access to a vast network of over 100 lenders and more than 200 distinct loan options, we're confident in our ability to tailor a loan program to suit every borrower's needs.

Reach out to our team of licensed professionals today.

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