Financing Solutions That Work for Every Investor

At Emporium TPO, we understand that not every borrower fits neatly into the traditional mortgage box. That’s why we offer lending programs designed to meet the needs of today’s investors and self-employed professionals.

Elevate DSCR Program – Simple, Smart Financing for Investors

Our Elevate Debt Service Coverage Ratio (DSCR) program lets real estate investors qualify based on property cash flow alone — no personal income verification required.

Program Highlights:

• Qualify on property cash flow
• Investment properties only
• No personal income verification required
• *First-time & seasoned investors eligible
• Maximum loan amount: $3 million
• Minimum 680 FICO* with 75% LTV**

                                                                *Additional Requirements Apply                                                                  **25% cash due from borrower 

This approach makes it easier to secure funding, whether you’re buying your first investment property or expanding a portfolio.

Alternative Documentation (Alt Doc) Options

For borrowers whose financial situation doesn’t fit the standard mold, we offer Alt Doc solutions.

Program Highlights:

• LTV up to 90%* on a purchase or no cash-out refinance with 720 FICO minimum*
• Loan amounts up to $3 million
• Documents Accepted:
  • 12 or 24 months bank statements
  • Profit & Loss (P&L) statements

                                                                  *10% Cash Due from Borrower                                                                  * Restrictions May Apply

These options allow borrowers to qualify for business or personal loans based on actual income rather than strict underwriting formulas.

Full Doc Program for Self-Employed & Wage Earners

We also provide a Full Doc program for self-employed individuals and wage earners whose income may not be fully recognized under traditional mortgage guidelines.

Program Highlights:

• Max 90% LTV*
• Minimum 660 FICO**
• Qualify with highest income earner score
• Purchase, no cash-out, and cash-out transactions
• Loan amounts up to $3 million
• Minimum 1 year documentation type:
  • W-2
  • Paystubs
  • Tax Returns

                                                                   *10% cash due from borrower                                                                     **Additional restrictions apply

This program helps borrowers access competitive financing without being limited by conventional income documentation.

The Bottom Line                                                                                                                                                  Whether you’re an investor, business owner, or wage earner with unique income, Emporium TPO offers financing options based on your client's situation — not outdated lending rules.