Our Programs 

IRA

Available on Sequoia Non-QM

Qualify borrowers using IRA income—combine with other income or use as standalone.

  • Income = Total IRA Balance/36
  • Qualify using:
    • 100% of Total IRA Balance for borrowers over 59½
    • Total IRA Balance Minus 10% for borrowers under 59½
  • Combine Income Sources to Qualify
    • W-2, Bank Statements, 1099, CPA Letter, Other Assets
  • Loan Amounts up to $5M
  • Up to 90% LTV on Purchases
  • Up to 80% LTV on Cash-Out
  • Credit Scores as Low as 620
  • Up to 50% DTI
  • Cash-Out Up to $3M
  • Available on Purchase, Rate & Term, and Cash-Out
  • For Owner Occupied and Non-Owner Occupied Properties
Sequoia Non-QM

Did You Know?

You Can Stack IRA Funds With Other Income To Qualify!

IRA funds can be a game-changer for borrowers who fall just short of qualifying. For example, a 1099 borrower has everything they need to qualify but their DTI is too high…what can they do?  With an IRA balance of $180,000, they could supplement their 1099 income to qualify by using IRA funds ÷ 36 — even under retirement age (discounted by 10%). That’s $4,500 in additional monthly income, helping bridge the DTI gap and making their dream home possible.

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IRA FAQ

No this program is for IRA funds specifically. Our other programs for asset depletion and utilization do allow the use of 401k accounts with different qualifications.

Yes! This can be used on its own or stacked with other income sources like W-2s, 1099s or bank statements.

There is no requirement for distributions to be made from that IRA fund to qualify.