Debt Ratio Issues?? We Allow Borrowers to Use Liquid Assets as Income - Florida

Mortgage and Lending with Bay to Bay Lending, LLC NMLS 343112

Do you have a client that has been turned down due to debt ratio's?

This can often be the case with self employed borrowers who have tons of deductions.  Some of these buyers have substantial liquid assets in the form if IRA's, Stocks, CD's, and Bonds.  Our New Portfolio product allows the use of these assets to increase income.   Here is how it works:


Income is calculated as follows:

60% of liquid assets / half of new loan term = monthly income to qualify.

Borrower has $250,000 in combined liquid assets and wants a 15 year mortgage


60% X $250,000/90 = $1667 (additional qualifying income per month)


Other Terms:

680 Minimum FICO (720 for 1st Time Buyers)

Minimum $100,000 loan amount

Self Employed Borrowers must have 4 Years

Eligible Property Types

  • Single Family - Attached and Detached
  •  Townhome
  •  PUD
  •  2-4 Unit (Primary only, no second homes)
  • Warrant-able Condos


For more information call Tony Marra with Bay to Bay Lending at 813-842-7999, email or visit



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