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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.
The DSCR cash-out refinance is the equity extraction tool for investment properties that conventional lenders won’t process for self-employed or Non-QM borrowers. A property that
Reserves are the post-close liquid assets the lender requires you to have after the loan closes. Not the down payment. Not closing costs. Separately, additionally
DSCR loans close in 21–30 days with a complete file. The “no income documentation” feature doesn’t make the process faster in isolation — but it
LTV is not fixed in DSCR lending — it moves based on your DSCR ratio, your credit score, your property type, and your loan program.
The most common misconception about STR DSCR loans: investors assume their Airbnb dashboard revenue qualifies them. It doesn’t — and the reason is important to
The name “no-ratio” has a specific meaning in the Non-QM lending world: the loan is made without calculating a debt-to-income ratio for the borrower. No
DSCR loans have no personal income requirement. None. This is not a nuance or an exception — it is the fundamental design of the product.
Credit score determines your maximum LTV on DSCR loans — which determines your minimum down payment. For real estate investors managing capital across multiple acquisitions,