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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.
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
The investor who knows their DSCR before they make an offer is the investor who closes. The investor who finds out their DSCR after spending
Illinois is a challenging but navigable DSCR market. The challenge is Cook County’s property tax structure — one of the highest effective rates in the
North Carolina has emerged as one of the most reliably strong DSCR states in the country — and the reason isn’t complicated. When property taxes
Texas is Mbanc’s highest-volume DSCR state by transaction count. The reason is structural: 500,000+ net new residents per year, 55 Fortune 500 company headquarters, the
California DSCR investing requires an honest conversation about what the program is actually doing in this market — because in most California cities, it’s not
The single most important thing to understand about condo DSCR: the HOA fee is in PITIA. On a $600,000 Miami Brickell condo with a $750/month
Charlotte is the Southeast’s most underappreciated DSCR market. While investors compete in Atlanta, Nashville, and the Florida metros, Charlotte has quietly built an investment case