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 carpenter or electrician in Atlanta — can I get a mortgage on my data center income? Yes. A bank
Frequently Asked Questions I’m a self-employed electrician or plumber in Phoenix — can I get a mortgage on my data center income? Yes. A bank
Frequently Asked Questions I’m a self-employed plumber working DFW data center projects — can I get a mortgage? Yes. A 1099 loan qualifies your gross
Frequently Asked Questions I’m a self-employed electrician in Northern Virginia — can I get a mortgage on data center income? Yes. A 1099 loan or
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
Frequently Asked Questions What is the main difference between a DSCR loan and a conventional investment property loan? A DSCR loan qualifies based on the
Frequently Asked Questions What is the formula for DSCR on a rental property? DSCR equals monthly rental income (typically 75% of gross rent) divided by
Frequently Asked Questions What is a DSCR loan and how does it work? A DSCR loan qualifies a rental property for financing based on the
