My direct lender, Chinatrust Bank USA, specializes in flexible documentation scenarios. Our portfolio is geared towards the self employed, overseas US citizen, and foreign nationals. We accept overseas unaudited profit and loss business statements (for S/E), limited or no credit history, verbal verifications of employment (both domestic and foreign companies is OK), no green card (true foreign nationals), and loan sizes up to 1.5MM. 2nd homes are OK too.
The best part is that our rates are nowhere near close to hard money: our 3/1 ARM rate is 4.875!
If you have any questions, don't hesitate to contact me.
(949) 870-2882 CELL
Chinatrust Bank USA