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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
Credit Score 640 minimum. 660 for 85% LTV (15% down). 720+ for best pricing. The single most important number to confirm before identifying a target
Your clients already reported what they paid you to the IRS. Every 1099-NEC filed by every company that hired you this year is sitting in
If a DSCR investor could design a state from scratch, they might produce Tennessee. No state income tax. Sub-1.0% effective property tax rates in the
The investor who has 4 rental properties already knows exactly what happens when they apply for a 5th conventional mortgage: the underwriter runs their DTI,
The conventional lender wants to know what you make. The DSCR lender wants to know what the property makes. Those are two fundamentally different questions
Both programs exist because conventional financing fails self-employed and non-traditional income borrowers. They solve the same problem — documenting income without a W-2 and tax
The investor who understands DSCR’s structural advantages — no DTI accumulation, no property count limit, no personal income documentation — has a clear mechanism for
A DSCR of 0.96 and a DSCR of 1.04 represent an $800/month difference in rent or PITIA on a $2,500/month lease deal. They also represent