Master every program in the BFF portfolio. Complete each training to earn your Certified Specialist badge — and become the AE your brokers trust on every product type.
The #1 program for self-employed borrowers. Expense ratios, CPA letters, personal vs. business deposits, large deposit rules, and how to close the income conversation.
How to sell investors on DSCR — 0% income docs, LLC vesting, STR/Airbnb income, the DSCR formula, and the cash flow conversation that closes deals.
Selling the step up from SFR — portfolio builders, apartment investors, mixed commercial/residential deals, commercial lease analysis, and EGI mechanics.
The highest loan limit in the BFF DSCR suite. Portfolio DSCR mechanics, release provisions, property matrix structuring, and closing blanket loans.
For independent contractors, gig workers, and commission earners. Gross 1099 income used with no expense ratio — plus the 1099 vs. bank statement decision framework.
For retirees, high-net-worth borrowers with substantial assets but limited W-2 income. The 84-month divisor, retirement haircuts, and seasoning rules.
When current-year income crushes the 2-year tax return average. The 3-way income comparison, CPA documentation requirements, and the 60-day stale rule.
Standard docs but outside QM. The four reasons, credit event seasoning matrix, non-warrantable condo eligibility, high-DTI solutions, and the 'rescue the file' playbook.
Visa classifications, DSCR vs. foreign income qualification, 6-step documentation chain, Chinese capital controls, OFAC screening, wire sourcing, and FIRPTA.
Opening homeownership for the immigrant workforce. ITIN vs. Foreign National distinction, alternative credit references, 3 income qualification paths.
Stand-alone second lien home equity product. CLTV mechanics, subordination, and the equity extraction conversation.
Conforming limits, LTV tiers, reserves (12–24 months), full-doc and Non-QM income paths, asset depletion, RSU income, and luxury market strategy.
The most underutilized program in mortgage. Zero down, no monthly PMI, and eligible across a massive portion of your BFF-licensed states.
The first-time buyer workhorse. MIP math, the life-of-loan MIP rule, FHA vs. conventional vs. USDA comparison, property condition requirements.
Serving those who served. Entitlement math, funding fee exemptions, COE interpretation, surviving spouse eligibility, and the VA appraisal process.
California's first-time buyer conventional DPA program. MyHome subordinate, School Program for educators, ZIP closing cost assist.
The CalHFA FHA + DPA combination. UFMIP math, life-of-loan MIP, the FHA vs. Conventional routing decision.
The LP advantage. IBR student loans, Home Possible, LP Accept vs. DU Refer scenarios, and the asset and income documentation differences.
High-balance conforming vs. true jumbo, the 80/10/10 piggyback structure, ARM savings math, RSU income, and reserves by loan tier.
The regulatory foundation of every DSCR deal. ATR and TRID exemption, the Business Purpose Affidavit, mixed-purpose risk scenarios, and PPP rules.
Complete your certification program and become the AE every broker wants to work with.
