Bob Thompson, 562.344.5626 | Stated Income & HELOCs, RT Capital Advisors, Inc.- Commercial/Residential (RT Capital Advisors, Inc. CEO)
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RT Capital Advisors, Inc. - ​Providing access to Hedge Funds, Private Money, Private Party Investors, REITs, CMBS, Community, Regional & Global Bank niche and non-QM mortgage products.

Get to know Bob Thompson, 562.344.5626 | Stated Income & HELOCs

 Call me directly at (562) 344-LOAN, I am the CEO at RT Capital Advisors, Inc. we can provide unique access to Stated Income/Verified Asset, NIVA and Alternative Documentation Loans through Commercial and Residential Lenders, Hedge Funds, Private Parties, Private Money, REITs and Banks nationwide. 

Private Money Loans and Commercial Loans are available on a retail and wholesale basis to Brokers and Realtors, just register online.

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.


Alternative Documentation (ALT doc), Stated Income, No Income verified HELOCs, Private Money Loans & Hedge Funds. Cash-out Refi and Purchase up to 83% LTV**

No Taxes, w2's or 1099s needed



Stated Income Home Equity Line of Credit

1)  (SIVA) Home Equity Line of Credit (HELOC), No Income Verified - Verified Assets

Owner-Occupied, Non-Owner Occupied and Second Homes,

SFR's, 2-4's and Condos.

620+ FICO needed. 

FICO over 700 first 6 months starting at 3.88% Interest only

Loan amounts from $150,000 - $5,500,000.

Up to 70% LTV/CLTV 

70% LTV to $1,000,000

50% LTV to $5,500,000.

Starting at .5 floating over WSJ Prime in 1st position
10 year draw period, 20 year amortization.
Starting at 1.5 floating over WSJ Prime in 2nd position or paying off liens.
10 year draw period, 20 year amortization.

Interest only repayment option is available.

Lower your rate by .50%.

Must provide proof of 6 months of reserves with a CPA Letter. No CPA letter needed with over 18 months PITIA reserves.

Available in: CA, IL, TX, NY, NJ, NV and GA.

Fees: 2.5 points + $995 processing at the close of escrow.

Hedge Fund, Stated Income-Stated Asset (SISA) Loan Product for

Residential or Commercial

2) Stated Income, Stated Asset Purchase or Refinance Loan,

Loan Amounts to $2,000,000.
Loans for Non-Owner and Investment properties up to 75% LTV.
Terms: 3 and 8 yr ARMs - fixed then adjustable for remainder

of 30 years. 

Rates from 7.49% and 2 points.

600 minimum FICO score required. 

21 day close of escrow. Interest reserve options.
Fix and Flip. Investor & REO financing - Any amount of properties allowed 
In Bankruptcy or Foreclosure OK.
Unlimited cash out. No title seasoning required

Available: Nationwide except IL, NV, ND and SD.

Fees: 2 points in the transaction.

Alternative Documentation (ALT-Doc) Loans

3) (SIVA) 12 Month Bank Statement Averaging or 1 Year Taxes or

Asset Amortization Loans for Business Owners. 

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

Minimum FICO score is 620.

Must be Self-Employed for at least the last 2 years. 

Realtors are considered self-employed. 

3, 5, 7 and 10/1 ARM's, 15 & 30 year fixed. Rates from 4.875%. 
Owner Occupied, 2nd homes and 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 primary Personal and/or business bank statements, we average the net deposits from 

your business and use that as the 

income to qualify, at 45% DTI based on deposits and debts on the credit report. We need proof of 12 months PITIA reserves for the subject property seasoned in the bank for at least 60 days. Non-owner occupied properties,12 months reserves on all debt. 

Available: Nationwide.

Fees: 1.5 points in a Holding Escrow*.


4) No Income-Verified Assets (NIVA)

for Investment and Owner-Occupied Properties
680 Mid Fico, SFR's 1-4 units, Condos and PUDs (must be warrantable)

Terms: 30 or 15 year fixed, 3, 5 or 7/1 ARMs, from 4.75%

Purchase: 70% LTV to $2M, 100%
of down payment can be gifted!

Refinance rate and term 65% LTV to 2M

Refi with cash out 50% LTV to 5M. 60% to 1M.

Must prove reserves of at least 6 months PITI, No CPA letter needed. with 18 months reserves. YTD P&L should support transaction at 50% DTI.

1 Day on the Job or New Business OK.

No max properties owned or financed, no max acreage.

Foreign buyers OK

Less than 30 days to close

Available: CA, NV, WA, TX, GA, IL, MA, NY and NJ.

Fees: 2.5 points + 845 processing in the transaction

Private Money to 80% LTV - Close Escrow in 14 days

5)  Private Money Loans for Non-Owner Occupied properties.

Commercial and Residential Loans for purchase or refinance up to 80% LTV.
Terms: 1, 2, 3 or 4 year loans amortized for 30 years.

Rates from 7.99% and 2 points.
NO minimum FICO score required.
10 day close of escrow.
Investor loans to 90% of ARV & REO financing. Interest only available. 
Any amount of properties allowed. 

Interest reserve options. Unlimited cash out. 
In Bankruptcy or Foreclosure OK.
No title seasoning required.
Available: Nationwide.

Fees: 2 points in the transaction.

Requirements and Documentation:
Complete the loan application, leaving the income section blank, initial, sign, date and return. Provide copies of Driver's License and Social Security card. Send copies of the Bank Statements, (Last 2 for HELOC or last 12 for bank statements) Mortgage Statement, Insurance declaration page and Purchase Agreement if purchase.

We will provide a Loan Consultancy Agreement and Escrow

Instructions, to be fully executed and returned.

Please scan, numerically label, upload all documents to a Dropbox file and notify me by email.

HELOCLast 2 months Bank/Asset statements showing at least 6 months of 
PITIA reserves with a CPA Letter.

No bankruptcies, mortgage lates, foreclosures, short sales, 

deed-in-lieu or loan mods on credit history allowed for the 3.88% rate (the past 2 years for the 1 or 2 over prime rate)

Borrower who open a deposit account with the

Bank (FDIC insured) and enroll in auto-pay for the mortgage payment can qualify for a rate reduction up to .5%.

12 Months Bank Statements: Last 12 months Bank or Asset statements

showing 6-12 months of mortgage payment reserves. Credit will be pulled

and must be derogatory free last 12 Months. No bankruptcies,

short sales, deed-in-lieu or loan mods on credit history in the past 5 years

allowed, foreclosures (7 years).

Lender FeesFees vary by institution, all loans have separate non-refundable cost of Appraisal and Credit Report, +/- $550.

*Holding Escrows: Occasionally, a Holding Escrow Account will established in the borrowers' name with an Independent Licenced Escrow Company and funded beforehand, the account is fully refundable in the event of no close of escrow or cancellation. Southern California cash-out refinance transactions and HELOCs DO NOT require upfront funding of the escrow account. HELOC fees can be paid at the close of escrow.

The information furnished here is preliminary. This is not an offer nor a

commitment to lend and shall not be construed as such.

Rates, terms, loan products and loan conditions may be changed

without notice, example of a loan in 1st position as of 2/28/19

loan amount of $250,000 with a 720+ FICO and 50% LTV,

7.49%/7.55% APR. All private money loans offered in accordance and

compliance with CalBRE regulations. Stated loans are provided to,

and conform with applicable state laws regarding commercial lending

transactions for business purposes. All loan transactions are subject to

the submission of a formal application, appraisal, underwriting, and written

lender approval. Loan approval terms may vary by asset type and borrower

credit worthiness. Insurance acceptable to the lender on subject property

is required to be maintained on the subject property for the duration

of the loan. **80% of appraisal




Bob Thompson
Chief Executive Officer
RT Capital Advisors, Inc.


Bob Thompson, 562.344.5626 | Stated Income & HELOCs's Blog Posts







  1. Commercial Real Estate Financing 
  2. Residential Real Estate Financing
  3. Constuction Loans for Commercial or Residential
  4. Multifamily Real Estate Lending, HUD 221(d)(4) and Conventional
  5. Stated Income HELOCs
  6. Stated Income Loans
  7. Property Management, Renovation and Construction Management
  8. Investment Properties
  9. Land Loans
  10. Petroleum
  11. Agricultural Loans
  12. Portolio Private Money Lending
  13. Refinance and Purcahse Loans
  14. Single Family, Owner-Occupied Home Loans
  15. Real Estate Transactions
  16. First Time Home Buyers
  17. Real Estate Investors

Click here for client information.

Testimonials for Bob Thompson, 562.344.5626 | Stated Income & HELOCs

  • Maricela P.

    Fantastic Job! Way beyond what you can expect from any other lender! Bob is the best, always there! He always closes the deal! Anytime you need him he is on the phone ready to help!

  • Norman T.

    "I would recommend anyone looking to invest in Commercial Real Estate to work with Bob Thompson at RMF Lending, Inc..”

  • Darren M. - Rathdrum, Idaho

    "Bob used his creativity to make it possible for me to obtain a mortgage loan by teaming together his creditable knowledge in the mortgage industry with my favorable credit history so that I was able to purchase my dream home on wooded property in North Idaho. Although the future of transferring my employment from California to Idaho was uncertain at the time, which made the prospect of obtaining a substantial mortgage loan somewhat problematic, Bob had the resourcefulness and determination to make it work. I am certain that it would not have happened without his dedication to his customers. Ten years later I am happy to report that our property and home have never looked better and we are currently in the process of building a large pole building type shop along with many concrete and asphalt upgrades.
    I would recommend Bob to anyone looking to obtain a mortgage loan. Also, I must add that the fact he was able to accommodate my loan needs in a different state was equally impressive. Thanks Bob!"

  • Randal Morales

    Bob has been a lender who has given work to my firm for the last 6 years. His association with us has been a good fit for both parties. I find him personable and professional. He has followed his words through with the action needed to get client to the finish line. I don't know if he told me he was Branch Manager and I'm surprised as he was to me just another hard working individual trying to make his way in his chosen profession.

    Randal Morales
    Central California Appraisal Service
    Oakhurst, California

  • Vernon B. - San Jose, California

    Bob was my mortgage broker for the purchase of my home. His in-depth knowledge of the real estate market and mortgage business was invaluable throughout the process. His work ethic is matched only by his self-confidence and competence. From the moment I decided to buy a home, I found a property and closed within 1 month!

    Service Areas (7)
    • Newport Beach, CA
    • Wilshire Corridor, Beverly Hills
    • Big Canyon, Newport Beach
    • The Crosby At Rancho Santa Fe, Rancho Santa Fe
    • The Vintage Club, Indian Wells
    • Manhattan, New York
    • Nob Hill, San Francisco
    • Stanford, Palo Alto
    Specialties (14)
    • Buyers
    • Commercial
    • Eco-Friendly
    • Farm Land
    • Investment Properties
    • Land
    • Luxury Homes
    • New Construction
    • Property Management
    • Residential
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