Select property state
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Selected property state
Alabama
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Alaska
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Arizona
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Arkansas
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
California
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Colorado
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Connecticut
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Delaware
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
District of Columbia
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Florida
LLC-Only Review
LLC-only business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed when the borrowing and vesting structure satisfies current LLC requirements. Final eligibility is subject to compliance and investor review.
Selected property state
Georgia
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Hawaii
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Idaho
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Illinois
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Indiana
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Iowa
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Kansas
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Kentucky
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Louisiana
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Maine
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Maryland
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Massachusetts
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Michigan
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Minnesota
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Mississippi
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Missouri
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Montana
LLC-Only Review
LLC-only business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed when the borrowing and vesting structure satisfies current LLC requirements. Final eligibility is subject to compliance and investor review.
Selected property state
Nebraska
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Nevada
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
New Hampshire
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
New Jersey
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
New Mexico
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
New York
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
North Carolina
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
North Dakota
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Ohio
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Oklahoma
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Oregon
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Pennsylvania
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Rhode Island
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
South Carolina
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
South Dakota
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Tennessee
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Texas
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Utah
Not Currently Available
Not currently shown as available
The current business-purpose baseline does not show this jurisdiction as available through this program. The Equity Desk can confirm whether an alternate structure or future option exists.
Selected property state
Vermont
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Virginia
LLC-Only Review
LLC-only business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed when the borrowing and vesting structure satisfies current LLC requirements. Final eligibility is subject to compliance and investor review.
Selected property state
Washington
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
West Virginia
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Wisconsin
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
Selected property state
Wyoming
Natural Person + LLC Review
Natural-person and LLC business-purpose review
Qualifying business-purpose DSCR scenarios may be reviewed for natural-person or LLC borrowers under the current company baseline. Property, borrower, vesting, lien, investor and state requirements still apply.
This state information concerns business-purpose inquiries. A particular second mortgage still depends on the property, existing loan terms, total loan-to-value, ownership structure, credit, rental income and current program requirements.
