Fortress DD Non-QM

With the Fortress DD program, Newfi continues to support brokers with Non-QM products.

Fortress DD

With Fortress DD Non-QM, Newfi offers multiple qualification options.


1 or 2 Year Full Doc
  • Available on 5 and 7 year ARM, 15 and 30 year fixed & 40 year fixed with the first 10 years I/O
  • Borrow up to $2.5 Million
  • Up to 90% LTV purchase, 85% LTV R/T refinance and 75% LTV Cash Out
  • Credit scores from 680
  • DTI up to 50%
  • 4 year seasoning from major credit event

See Guidelines (.pdf)

12 and 24 Month Bank Statement and 1 or 2 Years 1099
  • Available on 5 and 7 year ARM, 15 and 30 year fixed & 40 year fixed with the first 10 years I/O
  • Borrow up to $2.5 Million
  • Purchase and R/T refinance up to 85% LTV and cash-out up to 70% LTV
  • Credit scores from 680
  • 1099 offers 10% fixed expense ratio
  • 3 methods to calculate expense ratio on bank statement transactions
  • All occupancy types allowed

See Guidelines (.pdf)

Fortress DD Business Narrative (.pdf)

Newfi Bank Statement Analysis (.xlsx)

Debt Service Coverage Ratio (DSCR)
  • Option designed for borrowers who have an investment property portfolio and need alternative means to qualify for a loan
  • Loan amounts up to $2 Million
  • Available on 5 and 7 year ARM & 15 and 30 year Fixed
  • Purchase and R/T Refinance up to 75% LTV and Cash-out up to 70% LTV
  • 3 Ways to Qualify
    • DSCR >= 1.15
    • DSCR 1.00 – 1.14
    • DSCR < 1.00
  • Prepayment penalties available

See Guidelines (.pdf)


Our Fortress DD product is named in memory of our friend and colleague Dean Doering

Say YES when others say NO with Fortress DD Non-QM!

Flexible Qualification

We control all underwriting, so we can tailor loans up to $2 million to a borrower’s unique income and asset circumstances.

Live Scenario Desk

Our lending specialists are on tap to quickly price scenarios and identify ways to qualify, making same-day exception decisions after loan submission.

Competitive Rates

Even when borrowers have complicated credit situations, we strive to keep rates among the lowest in the market.

Let’s talk about your business goals and how we can help.
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