Product Suite
Cloudy
Equity DSCR · No Minimum FICO or DSCR
When the traditional financing path isn’t the right fit, look to the equity. Cloudy gives brokers another option when credit history or recent events may otherwise limit the possibilities.
At a glance
Loan amounts
To $1.5M
Max LTV
55%
Min FICO
None
Credit events
Options available
No minimum FICO. No minimum DSCR. No reserves. Up to 55% LTV with a minimum $150K in remaining equity.
Made for these borrowers.
Borrowers fresh off a credit event with real equity
Borrowers with recent mortgage lates and significant equity
Borrowers with limited traditional credit history
Business owners with significant property equity who need another financing option
“A rough year doesn’t erase your equity. We lend on what you’ve built.”
How to pitch it to your borrower
Programs in this suite.
Have a Cloudy scenario?
Price it in Sky Port in under a minute or send it to the Scenario Desk.