Non-QM
DSCR investment program
Qualify the rental property on cash flow rather than personal DTI.
- Property cash flow, not W-2
- Purchase or refinance rentals
- Entity closing often allowed
Who it is for
Real estate investors buying or refinancing rentals where the property’s income is the underwriting story.
DSCR loans underwrite the asset: rent versus debt service. Personal tax returns are often secondary. That is why investors use them — and why vacancy, expenses, and a realistic rent schedule matter more than a W-2.
Run the educational DSCR calculator, then send the same numbers into a quote so we can place the file with a lender whose ratio and reserve rules you can actually meet.
Questions
- What DSCR do I need?
- It varies by lender, LTV, and credit. Use the DSCR calculator for an educational ratio, then request a quote for program overlays.
Related programs
- No-ratio
Asset- or credit-focused executions that do not use a traditional DTI ratio.
- Multifamily
Financing for residential buildings with five or more units, from small apartments to larger portfolios.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.