Loan Programs
Black Diamond Non-QM
Bank Statements / 1099 / P&L / W-2 – 1099
Minimum Credit Score: 640
LTV: Up to 90%
- Loans up to $4 million with a minimum of $150,000
- Purchase, Refi Cash Out, Refi Rate Term, & Delayed Financing
- Owner Occupied, Second Homes, and Investment Properties
Black Diamond DSCR
Let the property pay its own way.
Minimum Credit Score: 660
LTV: Up to 80%*
- Loans up to $3 million with a minimum of $100,000
- Purchase, Refi Cash Out, Refi Rate Term, & Delayed Financing
- 1 – 4, 5 – 9 Units
- No ratio
- Full and Bank Statement
Black Diamond HELOC
Stack the equity, skip the refi
Minimum Credit Score: 680
LTV: Up to 85%
- Loans up to $1,000,000
Black Diamond CES
Tap what you’ve earned, without giving up your first.
Minimum Credit Score: 680
LTV: Up to 85%
- Loans up to $500,000 with a minimum of $100,000
- Cash-out or rate-term finance
- Owner Occupied, Second Homes, and Investment properties
Black Diamond Jumbo
Big balances. No drama. All access.
Minimum Credit Score: 660
- Loans up to $3.5M $1 over current agency loan limits with a minimum of $150,000
- Purchase, Refi Cash Out, Refi Rate Term, & Delayed Financing
- Owner Occupied, Second Homes, and Investment Properties
Black Diamond Private Capital
RTL
Minimum Credit Score: 660*
- Fix and Flip
- Investor Construction
- Investor Bridge
BLACK DIAMOND NON -QM – INVESTOR FULL DOC
Investment option to the MAX!
Minimum Credit Score: 740/720
- Loans up to $1.5M
- 1 Unit and 1-4 Units
- Max DTI 40%/45%
- No exceptions on this product
(exceptions and questions are encouraged!)
Guidelines should guide, not replace judgment. Call me for our ongoing exceptions.
Please reach out to cindy.barone@rockstartpo.com or tourmanager@rockstartpo.com