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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 qualification threshold is the first number every investor needs to know before analyzing any deal. Here it is: 1.00 = standard qualification. 0.75
The DSCR calculation has two inputs. The math takes 30 seconds. The precision of those two inputs — qualifying rent and PITIA — is what
A DSCR loan — Debt Service Coverage Ratio loan — is a Non-QM mortgage for real estate investors that qualifies the investment property on its
To maximize qualifying income from bank statements before applying for a mortgage: choose the optimal statement period (12 vs 24 months), use the account type
The Borrower: Simone W., luxury residential agent in Atlanta’s Buckhead and Sandy Springs markets. 13-year career. Licensed through a boutique luxury brokerage. Annual commission income:
The Borrower: Marcus T., owner of a residential and light commercial general contracting company in the DFW metroplex. In business 11 years. Annual gross revenue:
The Borrower: Carlos M., owner of a 3-location restaurant group in Miami-Dade County. Cuban fusion concept with two locations in Doral and one in Westchester.
The Borrower: James R., senior petroleum reservoir engineer, independent consultant since 2017. Four energy company clients. 2024 annual 1099-NEC income: $580,000. 2024 annual business deposits: