12 months Bank Statement Averaging - to 80% LTV to 4M

Mortgage and Lending with RT Capital Advisors, Inc. CEO

Alternative Documentation 12 Bank Statements 


12 Month Bank Statement Averaging or

1 Year Taxes or Asset Amortization Loans

No Taxes, w2's or executed 4506T are required.

Minimum FICO score is 600. 

3, 5, 7 and 10/1 ARM's, 30 year fixed.

Owner Occupied and Non-Owner Investment properties, SFR and 1-4’s.

Loan to value up to 80% for a purchase, rate and term or cash-out refinance to 4M.

Interest only payment available.


Qualifying: Using the Borrower’s last 12 bank statements, we average 100% of deposits, draws and wires and use that as the income to qualify at 45% DTI based on deposits and debts on the credit report.

We need proof of 9 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.


Available: Nationwide. Fees: 1.5 points in a Holding Escrow that you will open with an Independent Escrow Company to be paid at the close of escrow.

Posted by
Bob Thompson
Chief Executive Officer
Lending Advisors providing unique access to Hedge Funds, Private Money, Private Party, REITs, CMBS, Community, Regional & Global Bank niche mortgage products nationwide.
RT Capital Advisors
1 (562) 344-LOAN



This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
Lending / Financial
Stated Income Loans in California - (562) 344-LOAN
bank statement averaging

Post a Comment
Spam prevention
Spam prevention
Post a Comment
Spam prevention

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?


Bob Thompson, 562.344.5626 | Stated Income & HELOCs

RT Capital Advisors, Inc.- Commercial/Residential
How do I Qualify and Apply for an ALT Doc Loan ?
Spam prevention

Additional Information