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.
Frequently Asked Questions I’m a self-employed tradesperson — can I build a multi-property rental portfolio using DSCR loans even with low Schedule C income? Yes.
Frequently Asked Questions I’m a self-employed plumber or electrician in Phoenix — where in the metro should I look for DSCR rental investments? Maricopa and
Frequently Asked Questions I’m a self-employed electrician working Project Stargate in Abilene — why is this a good DSCR market? Abilene’s lower home prices relative
Frequently Asked Questions I’m a self-employed electrician working Northern Virginia data centers — can I buy a rental property without showing my income? Yes. A
Frequently Asked Questions I’m a self-employed plumber in Atlanta — can I use a DSCR loan to buy rental property even with write-offs on my
Frequently Asked Questions I’m a self-employed electrician — can I use a DSCR loan for a rental property even though my tax return shows low
Frequently Asked Questions I’m a self-employed trades worker — which U.S. cities have the most data center construction opportunities? The top markets are Northern Virginia,
Frequently Asked Questions What is the minimum credit score for a DSCR loan in 2025? Most DSCR loan programs start at a minimum credit score
Frequently Asked Questions Can I do a cash-out refinance on a DSCR loan rental property? Yes. A DSCR cash-out refinance replaces your existing mortgage with
Frequently Asked Questions Does a DSCR loan really require no income verification? Yes — no personal income verification. No W-2, no tax returns, no pay
