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 trades worker who works inside data center construction — how do I use that market knowledge to invest in
Frequently Asked Questions I’m a self-employed electrician — where do I start with building a DSCR rental portfolio? Start with your primary residence if you
Frequently Asked Questions What credit score do I need for a DSCR loan as a self-employed tradesperson? Most DSCR programs start at 620. Better program
Frequently Asked Questions I’m a master plumber with heavy write-offs — can I really build a rental portfolio using DSCR loans? Yes. DSCR loans do
Frequently Asked Questions What is a no-ratio DSCR loan and when does it make sense for me as a self-employed tradesperson? A no-ratio DSCR loan
Frequently Asked Questions Can I use a DSCR loan to buy a rental property in a different state from where I live? Yes. DSCR loans
Frequently Asked Questions I’m a self-employed electrician in Columbus working on Intel or data center projects — can I invest in rental property without income
Frequently Asked Questions Can I use a bank statement cash-out refinance on my primary home to fund a DSCR rental down payment? Yes. This is
Frequently Asked Questions Can I use a DSCR loan for a duplex or triplex where I’ll live in one unit? Yes. A 2–4 unit DSCR
Frequently Asked Questions Can I use a DSCR loan for an Airbnb or short-term rental property as a self-employed tradesperson? Yes. STR DSCR programs qualify
