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Date: Mon, 16 Jun 2025 15:53:02 +0000 (UTC)
From: Loan Solutions <loansolutions@jetmortgage.com>
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Subject: Start Monday off with a DSCR Scenario:
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Qualify for 2nds with DSCR

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
eu5-2FFKRUgyS-2BDoi3995OUDVqe56jUAPUR1oQDuOSkXSRHPq0lK_QXnTW6f9jV7ots26-2Fd=
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0wjU-2Fmg0H7kfWUFku3FY66VKu5oxbRvn24-3D )

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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s-3D )

************************
SECONDS Success Scenario
************************

*********************************
Monday's just go better with DSCR
*********************************

*********
Scenario:
*********

We have a borrower who wants to take cash out of their investment property =
to make some urgent renovations (leaky roof in rainy WA, not fun). They hav=
e a tenant with a 12 month lease, 5 months to go on the term. Borrower does=
n't want to touch their first mortgage, but needs liquidity to get the job =
done. Their credit is good, 720+, and the DTI is 65% based on reported inco=
me on their tax return. So here's what JET did:

***************************
JET's Non-QM DSCR Solution:
***************************

Under our DSCR program, loan qualification is not based on personal income =
documentation. The loan is qualified based on DSCR, where the borrower util=
izes only cash flow from the subject property. Our DSCR second mortgage all=
owed the borrower to obtain cash to make renovations and keep their first l=
ow-interest rate mortgage intact.

------------------------------------
JET DSCR Seconds Program Highlighs:=F0=9F=93=B0
------------------------------------

* DSCR now for investment business purpose!
* No Income required on 1003
* Transferred Appraisals Allowed
* 680 Min FICO
* Min DSCR Ratio 1.0
* DSCR =E2=80=93 Originate in Multiple States
* *MAX CLTV 80%*
* First Time Investors Allowed
* 12-Months of ownership within 36 months
* Vacant Properties OK
* Close in Corporation or LLC

****************************
Limited May Seconds Special!
****************************

************************
Call your JET rep. TODAY
************************

JET Products ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0=
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tL3VFYV1X-2Ft1MwYbpACxRvpaOUvZ5Vy0sW7bjJpNSoX4Z5XBKYQvM64-3D )

SUBMIT LOAN ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0X=
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2BDWC8juxiZfJR8Uh0NA-2FELvLuk6YEK7jhvIYii361FXPkhEmiNjGI-3D )

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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2jlTbVzc8f9YphEMMU-3D"><img class=3D"max-width" border=3D"0" style=3D"displ=
ay:block; color:#000000; text-decoration:none; font-family:Helvetica, arial=
, sans-serif; font-size:16px; max-width:100% !important; width:100%; height=
:auto !important;" width=3D"600" alt=3D"" data-proportionally-constrained=
=3D"true" data-responsive=3D"true" src=3D"http://cdn.mcauto-images-producti=
on.sendgrid.net/5be95bdc440e8f85/888b314e-8600-4607-9a37-68a032ad9f0a/1163x=
183.png"></a></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"5e58684a-4ce7-4973-b4f9-76c65fd7a235" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 2px 0px; line-height:40px; text-align=
:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conte=
nt"><div><h1 style=3D"text-align: inherit"><span style=3D"font-size: 36px">=
&nbsp;</span><span style=3D"color: #ab3b3b; font-size: 36px">SECONDS </span=
><span style=3D"font-size: 36px">Success Scenario</span></h1><div></div></d=
iv></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"divider" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71.1">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
              </tr>
            </tbody>
          </table>
        </td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"ca436d18-aa20-49f5-99a5-f3a29cca8502.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 18px 0px; line-height:40px; text-align=
:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conte=
nt"><div><h1 style=3D"text-align: inherit">Monday's just go better with <sp=
an style=3D"color: #ab3b3b">DSCR</span></h1><div></div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"127816f3-6331-445f-9c1a-97d0983eb94e" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:20px; text-alig=
n:inherit; background-color:#eee2e2;" height=3D"100%" valign=3D"top" bgcolo=
r=3D"#eee2e2" role=3D"module-content"><div><h1 style=3D"text-align: inherit=
">Scenario:</h1>
<h4 style=3D"text-align: inherit">We have a borrower who wants to take cash=
 out of their investment property to make some urgent renovations (leaky ro=
of in rainy WA, not fun). They have a tenant with a 12 month lease, 5 month=
s to go on the term. Borrower doesn't want to touch their first mortgage, b=
ut needs liquidity to get the job done. Their credit is good, 720+, and the=
 DTI is 65% based on reported income on their tax return.</h4>
<h4 style=3D"text-align: inherit">So here's what JET did:&nbsp;</h4><div></=
div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"127816f3-6331-445f-9c1a-97d0983eb94e.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:20px; text-alig=
n:inherit; background-color:#dbead1;" height=3D"100%" valign=3D"top" bgcolo=
r=3D"#dbead1" role=3D"module-content"><div><h1 style=3D"text-align: inherit=
">JET's Non-QM DSCR Solution:</h1>
<h4 style=3D"text-align: inherit">Under our DSCR program, loan qualificatio=
n is not based on personal income documentation. The loan is qualified base=
d on DSCR, where the borrower utilizes only cash flow from the subject prop=
erty. Our DSCR second mortgage allowed the borrower to obtain cash to make =
renovations and keep their first low-interest rate mortgage intact.</h4><di=
v></div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"divider" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
              </tr>
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          </table>
        </td>
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    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"faac623d-1403-48ea-b4fe-5ccdf0a9b09d.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:25px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><h2 style=3D"text-align: left">JET DSCR Seconds Program Highlighs=
:=F0=9F=93=B0</h2>
<ul>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">DSCR now for </span><span style=3D"color: #=
000000; font-weight: 700; font-style: normal; font-kerning: none; font-fami=
ly: &quot;times new roman&quot;, times, serif; font-size: 18px">investment =
business purpose!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">No Income required on 1003</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">Transferred Appraisals Allowed</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 700; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">680 Min FICO</span></li>
  <li style=3D"text-align: inherit; font-family: &quot;times new roman&quot=
;, times, serif; font-size: 18px; font-size: 18px"><span style=3D"color: #0=
00000; font-weight: 700; font-style: normal; font-kerning: none; font-famil=
y: &quot;times new roman&quot;, times, serif; font-size: 18px">Min DSCR Rat=
io 1.0</span><span style=3D"font-family: &quot;times new roman&quot;, times=
, serif; font-size: 18px">&nbsp;</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">DSCR =E2=80=93 Originate in Multiple States=
</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-weight: bold; font-size: 18px; font-weight: bold"><span style=3D"co=
lor: #000000; font-weight: 400; font-style: normal; font-kerning: none; fon=
t-family: &quot;times new roman&quot;, times, serif; font-size: 18px"><stro=
ng>MAX CLTV 80%</strong></span></li>
  <li style=3D"text-align: inherit; font-family: &quot;times new roman&quot=
;, times, serif; font-size: 18px; font-size: 18px"><span style=3D"color: #0=
00000; font-weight: 400; font-style: normal; font-kerning: none; font-famil=
y: &quot;times new roman&quot;, times, serif; font-size: 18px">First Time I=
nvestors Allowed</span><span style=3D"font-family: &quot;times new roman&qu=
ot;, times, serif; font-size: 18px">&nbsp;</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">12-Months of ownership within 36 months</sp=
an></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; font-family: &qu=
ot;times new roman&quot;, times, serif; color: rgb(0, 0, 0); font-size: 18p=
x; font-size: 18px"><span style=3D"color: #000000; font-weight: 400; font-s=
tyle: normal; font-kerning: none; font-family: &quot;times new roman&quot;,=
 times, serif; font-size: 18px">Vacant Properties OK</span></li>
  <li style=3D"text-align: inherit; font-family: &quot;times new roman&quot=
;, times, serif; font-size: 18px; font-size: 18px"><span style=3D"color: #0=
00000; font-weight: 400; font-style: normal; font-kerning: none; font-famil=
y: &quot;times new roman&quot;, times, serif; font-size: 18px">Close in Cor=
poration or LLC</span><span style=3D"font-family: &quot;times new roman&quo=
t;, times, serif; font-size: 18px">&nbsp;</span></li>
</ul><div></div></div></td>
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    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"divider" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71.2">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
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  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"caf1b27d-87a8-49a2-8c9d-6154eb6cfa72" data-mc-mo=
dule-version=3D"2019-10-22">
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        <td style=3D"padding:18px 0px 18px 0px; line-height:40px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><h1 style=3D"text-align: center">Limited May Seconds Special!</h1=
>
<h1 style=3D"text-align: center">Call your JET rep. TODAY</h1><div></div></=
div></td>
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dth:290px; border-spacing:0; border-collapse:collapse; margin:0px 10px 0px =
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u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFu=
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ne; border-style:solid; font-family:arial black, helvetica, sans-serif;" ta=
rget=3D"_blank">JET Products</a>
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0&amp;usg=3DAOvVaw2v3rL1ARmDWJnp7tiLqG3o">www.jetmortgage.com</a><br></td><=
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t-size:12px"><td align=3D"left" style=3D"vertical-align:middle;font-family:=
'Century Gothic'">4&nbsp;Hutton&nbsp;Centre&nbsp;Dr.</td><td align=3D"cente=
r" style=3D"vertical-align:middle;font-family:'Century Gothic'">|&nbsp;</td=
><td align=3D"left" style=3D"vertical-align:middle;font-family:'Century Got=
hic'">Suite&nbsp;520&nbsp;</td><td align=3D"center" style=3D"vertical-align=
:middle;font-size:0"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0=
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<tbody><tr style=3D"font-size:12px"><td style=3D"font-family:'Century Gothi=
c'">|<br></td></tr></tbody></table></td><td align=3D"left" style=3D"vertica=
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;Ana</td><td align=3D"left" style=3D"vertical-align:top;font-family:'Centur=
y Gothic'">,&nbsp;</td><td align=3D"left" style=3D"vertical-align:top;font-=
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yle=3D"font-size:0;color:#0d0d0d;font-style:normal;font-weight:400;white-sp=
ace:nowrap"><tbody><tr style=3D"font-size:12px"><td align=3D"left" style=3D=
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></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr style=3D=
"font-size:0"><td align=3D"left" style=3D"vertical-align:middle"><table cel=
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3565a;font-style:normal;font-weight:700;white-space:nowrap"><tbody><tr styl=
e=3D"font-size:12px"><td align=3D"left" style=3D"padding:4px 0 0;vertical-a=
lign:middle;font-family:'Century Gothic',sans-serif"><span style=3D"font-fa=
mily:'Century Gothic'"><span style=3D"background-color:transparent"><span s=
tyle=3D"background-color:#ffffff">NMLS&nbsp;#&nbsp;1165808</span></span><sp=
an style=3D"font-weight:400">&nbsp;|</span></span>&nbsp;FHA&nbsp;ID&nbsp;#:=
<span style=3D"font-weight:400">&nbsp;<wbr></wbr>0006800006&nbsp;|&nbsp;<sp=
an style=3D"font-weight:700">VA&nbsp;ID&nbsp;#:</span>&nbsp;<wbr></wbr>9080=
910000<span style=3D"background-color:#ffffff"><br></span></span></td></tr>=
</tbody></table></td></tr></tbody></table></td></tr><tr style=3D"font-size:=
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der=3D"0" alt=3D"" style=3D"width:35px;min-width:35px;max-width:35px;font-s=
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</td></tr></tbody></table></td></tr></tbody></table></td></tr><tr style=3D"=
font-size:0"><td align=3D"left" style=3D"vertical-align:top"><table cellpad=
ding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"white-space:nowrap;color=
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:400;font-style:normal;text-align:left;line-height:16px"><tbody><tr style=
=3D"font-size:11px"><td style=3D"font-family:'Century Gothic',sans-serif"><=
span style=3D"font-family:'Century Gothic'">Jet&nbsp;Mortgage&nbsp;is&nbsp;=
a&nbsp;DBA&nbsp;of&nbsp;Home&nbsp;<wbr></wbr>Mortgage&nbsp;Alliance&nbsp;Co=
rporation&nbsp;<wbr></wbr>(HMAC)<br>HMAC&nbsp;is&nbsp;an&nbsp;Equal&nbsp;Ho=
using&nbsp;<wbr></wbr>Lender<br></span><span style=3D"background-color:#fff=
fff"><span style=3D"font-family:Arial,sans-serif"></span>MORTGAGEE&nbsp;CLA=
USE/LOSS&nbsp;PAYEE/<wbr></wbr>PROPOSED&nbsp;INSURED:<br>Home&nbsp;Mortgage=
&nbsp;Alliance&nbsp;Corp&nbsp;(<wbr></wbr>HMAC)&nbsp;Its&nbsp;Successors&nb=
sp;and/or&nbsp;<wbr></wbr>Assigns<br>4&nbsp;Hutton&nbsp;Centre&nbsp;Drive&n=
bsp;|&nbsp;<wbr></wbr>Office&nbsp;Suite&nbsp;#500&nbsp;|&nbsp;City&nbsp;of&=
nbsp;<wbr></wbr>Santa&nbsp;Ana,&nbsp;California&nbsp;92707</span></td></tr>=
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