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.
No US market has generated more STR DSCR loan volume than Orlando — and the reason is simple arithmetic: 75 million visitors annually create a
Tampa Bay is the most consistently underwritten DSCR market in Florida — not the most glamorous, and not the biggest appreciation story, but the most
The bank wants to know what you make. A DSCR loan wants to know what the property makes. Miami’s investment property market has always attracted
The investor: A software engineer at a major tech company in Austin, TX. W-2 income: $195,000. Employer: publicly traded tech company with a disclosed-investment policy
The investor: A logistics operations manager in Chicago. W-2 income: $162,000/year. Primary residence in Oak Park, IL with a $2,800/month mortgage. He watched Chicago investment
The investor: Chicago-based project manager. Has built a Nashville metro portfolio specifically because Chicago’s property taxes make DSCR math nearly impossible for SFR investments. Four
The investor: Commercial real estate broker in Dallas. Runs his brokerage through an S-Corp. Annual gross commissions variable: $580,000–$740,000/year. After business expenses, vehicle, retirement contribution
The investor: Interior designer in Doral, FL who began hosting short-term rentals in 2021. Two existing properties — a 2BR unit in Doral (STR through
The DSCR loan has one question: does the rent this property earns cover its mortgage payment? Your experience level as an investor has no bearing
The multi-unit DSCR proposition is mathematically different from single-family DSCR. When a property has three or four rental units, the combined rent from all tenants