1. PROGRAM
MIN
FICO
CREDIT LTC LOAN SIZE LIQUIDITY NET WORTH EXPERIENCE
Line of Credit
700
No 30 days late on any
mortgage payment during the
past 12 months.
No bankruptcy or foreclosure
during the past 3 years.
No open judgements or
pending litigation
90% Project Cost
60% ARV
65% ARV if 2 of the 5 following
parameters are met:
1. FICO 720
2. Borrower can verify
experience acquiring and
completing no less than 4
properties for resale or rental
3. Loan amount of $150 K
4. Borrower prepays 4 months’
interest
5. Borrower contributes an
additional 2.5% of total project
costs (maximum JCF advance
of 87.5%).
70% If borrower
 Meets one of the parameters
above (1 – 5)
 Contributes 15% of project
costs, the maximum
percentage of ARV increases
to 70%.
LOC - $50 K - $5 M
Loans $50 K - $1 M
20% of requested line amount
Min $50 K if Net Worth < $250 K
$150 K
$250 K
if Liquidity <$50 K
2 Completed projects evidenced
by 4 HUDs
620
No bankruptcy in last 24
months
No open judgements or
pending litigation
80% Project Cost
65% ARV
Min - $50 K
Max - $1 M
20% of requested line amount $150 K

2. PROGRAM
MIN
FICO
CREDIT LTC LOAN SIZE LIQUIDITY NET WORTH EXPERIENCE
Standard Single
Property Loan
620
No bankruptcy in last 24
months
No open judgements or
pending litigation
80% Project Cost
65% ARV
Min - $50 K
Max - $1 M
20% of requested line amount $150 K
2 Completed projects evidenced
by 4 HUDs
Express Streamlined
Single Property
Loan
660
Credit report must reflect a 4‐
year credit history with at
least:
 5 trade lines reporting
 2 trade lines open and
active for at least 12
months paid as‐agreed
 No bankruptcy or
foreclosure during past
three years.
70% Project Cost
55% ARV
Min - $75 K
Max - $500 K
At least 40% of the property
purchase price, plus:
 40% of rehab expenses if
there is an escrow holdback,
or
 100% of rehab expenses if
there is no rehab holdback;
plus an amount equal to 3
months’ interest payments.
If such funds are less than 50% of
the property purchase price plus
rehab expenses, JCF will source
the liquidity and require those
funds to be the source of initial
down payment.
No fix and flip experience
required
If the borrower is a wage earner,
he/she will submit:
 Most recent paystub or tax
return
 Most recent 90 days
consecutive complete bank
statements.
If the borrower is self‐employed,
they will submit:
 Most recent tax return
 Most recent 90 days
consecutive complete bank
statements
 Proof of existence of their
business.
Such proof of existence shall
include
 Phone number, address and
verification from a third party
such as a CPA, attorney,
regulatory agency
or
 An applicable licensing or
better business bureau.

3. PROGRAM
MIN
FICO
CREDIT LTC LOAN SIZE LIQUIDITY NET WORTH EXPERIENCE
Express Doc Single
Property Loan
660
Credit report must reflect a 4‐
year credit history with at
least:
 5 trade lines reporting
 2 trade lines open and
active for at least 12
months paid as‐agreed
 No 30 days late on any
mortgage payment during
the past 12 months
 No 60 days late during
the past 24 months.
75% Project Cost
60% ARV
Min - $75 K
Max -$500 K
At least 40% of the property
purchase price seasoned for 60
days, plus:
 40% of rehab expenses if
there is an escrow holdback
or
 100% of rehab expenses if
there is no rehab holdback,
plus an amount equal to 3
months’ interest payments.
If such funds are less than 50% of
the property purchase price plus
rehab expenses, JCF will source
the liquidity and require those
funds to be the source of initial
down payment.
At least 1 year of verified
acceptable real estate
experience.
Such experience should include
 Real estate investing
 Managing or owning
investment properties
 Operating as a licensed
contractor or builder
This would include building or
performing a major renovation on
his/her personal residence if such
person was the general
contractor.
620
70% Project Cost
55% ARV
New Construction 620
No bankruptcy in last 24
months
No open judgements or
pending litigation
70% ARV
Min - $100 K
Max - Lesser of
75% of Total Cost
or 100% of
Construction Cost
20% of requested line
JCF 30% of construction
expenses
The Borrower will have completed
at least 2 recent (within 24
months of application)
construction
Rental Loans
Single
Property (up
to 4 units)
620
No mortgage lates in last 24
mo.
Loan shall not exceed 70% ARV
Min- 75K
Max- no greater
than 1MM
Minimum of 12 months reserves
Borrower is required to contribute
at least 25% cash equity
Borrower must demonstrate
sufficient landlord experience
Portfolio
(minimum of
5 properties)
620
No mortgage lates in last 24
mo.
Loan shall not exceed 70% ARV
Min property value
50KUp to 5MM for
multiple properties
Minimum 6 months reserves
Borrower is required to contribute
at least 25% cash equity
Borrower must demonstrate
sufficient landlord experience