Business Narrative Form
Document checklist used to package a Non-QM or DSCR file for Non-Delegated underwriting submission. Captures property, borrower, lender contact, and program info, then enumerates required documentation across Compliance (URLA, ID, fraud report, income worksheets), Credit, Assets/Reserves, Collateral (purchase contract, title, appraisal, CDA), Insurance, Entity docs (DSCR), and program-specific income sections — Conforming/Jumbo Express full-doc, DSCR (LTR vs. STR), bank statement, P&L, 1099, asset depletion, and WVOE — with a Yes/No required flag for each item.
Non-QM Select 5 Program Guide
Premium program combining Non-QM (1- and 2-yr full doc, personal/business bank statements, 1099, P&L, asset depletion) and DSCR underwriting. Two rate sheets: Non-QM Select 5 and DSCR Select 5. Effective for locks on or after Mar 16, 2026.
