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Product SmartVest No DTI Calc
For Borrowers Who: Are experienced real estate investors
Max LTV 80% Purch/RT
75% Cash Out
Max DTI Not Calculated
W2 Current Paystub No
Tax Returns – 4506t No
Derogatory Credit Seasoning 4yrs
(2-4yrs with restrictions)
Mortgage History 0x30x12
Asset Amortization N/A
Max Cash Out $1M
Use Cash for Reserves No
Minimum FICO 620
Financed Properties Up to 20
Loan Terms Fixed 30,ARM 5/1, 7/1, 10/1 withoptionalInterestOnly;Fixed40InterestOnly(ExcludingSmartVest)
Pre-Pay Penalty 2 yrs; buydown 1/0

New Rez:

Sarah DcDowell
Direct: 318-502-2255

Scenario Desk:

Susanna Carouthers
Direct: 330-338-7785

NewRez Scenario desk:

email smartscenariodesk@newrez.com and MGoldman@NewRez.com (always CC Goldman)

NewRez Condo Review Team:

email projectreview@newrez.com and MGoldman@NewRez.com (always CC Goldman)

SmartVest Guidelines

Initial Disclosures

SmartVest Info

Scenario Tool

Current turn times



Policies and procedures

Lender Guide