Sequoia Portfolio Plus


With Sequoia Portfolio Plus, Sequoia Expanded, and Sequoia Investor Pro, we make all credit decisions and exceptions, providing flexible qualification and faster approvals.

Sequoia Portfolio Plus

With Sequoia, we make all credit decisions and exceptions in house, providing flexible qualification and faster approvals.

  • Borrow up to $2.5 million
  • Smart asset depletion guides – assets divided by 120 months
  • 4 year seasoning for BK, foreclosure, short sale or deed in lieu
  • One year income documentation allowed for Self-Employed and W-2
  • Credit Scores as low as 660
  • LTV up to 90% for Owner Occupied, 80% for NOO
  • DTI up to 55% (purchase, rate & term)
  • 12- and 24-month personal and business bank statement program

See Matrix



Sequoia Expanded

All Sequoia Portfolio Plus features, as well as higher LTV limits, lower credit scores and shorter recovery time between major credit events.

  • Borrow up to $2.5 million
  • Multiple options to meet tradeline requirements
  • 3-year seasoning for BK, foreclosure, short sale or deed in lieu
  • Smart asset depletion guides
  • One year income documentation allowed for Self-Employed and basic W-2
  • 12- and 24-month personal and business bank statement program
  • Reduced reserve requirements

See Matrix




Sequoia Investor Pro

Designed for borrowers who have an investment property portfolio, and need alternative means to qualify for an investment property loan.

  • Qualification based on subject property Debt Service Coverage Ratio (DSCR)
    • DSCR = Gross Rent/PITI
    • 2 ways to qualify
      • DSCR >= 1.15
      • No Ratio
  • Purchase or Rate & Term up to 80% LTV
  • Cash out up to 75%
  • Minimum credit score of 620
  • 3/1 & 5/1 ARMs
  • Interest only available
  • 3 year prepayment penalty with option to buy down
  • Escrows are required unless prohibited by state law
  • No income or employment verification (cash to close must be verified on purchases)
  • No reserve requirement

See Matrix



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