Dscr Non Qm

Dscr Non Qm

DSCR & Non-QM Products

What Are DSCR & Non-QM Loans?

Our Non-QM Solutions

How DSCR Works

DSCR Thresholds

Benefits of DSCR & Non-QM Loans

General Requirements

Frequently Asked Questions

Ready to Grow Your Portfolio?

LOAN PROGRAMS

Alternative Financing Solutions

Flexible financing solutions for real estate investors, self-employed professionals, and borrowers who don't fit traditional lending criteria.

Non-QM (Non-Qualified Mortgage) loans are home financing options that don't meet the strict standards of traditional qualified mortgages. These programs offer flexibility for borrowers with unique financial situations.

DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors. Instead of using your personal income to qualify, these loans look at the property's ability to generate rental income to cover the mortgage payment.

No tax returns. No W-2s. Just common-sense lending for modern borrowers.

Specialized loan programs designed for borrowers who need alternatives to traditional financing.

Understanding DSCR

The Debt Service Coverage Ratio is calculated by dividing the property's monthly rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, and HOA fees).

Example Calculation:

Monthly Rent: $2,500

Monthly PITIA: $2,000

DSCR = 1.25 (Excellent!)

A DSCR of 1.0 means the property breaks even. Most lenders prefer 1.0 or higher, with better rates available at 1.25+.

*Requirements vary by specific program. Contact us for detailed guidelines.

Schedule a free consultation to discuss your investment goals and find the right Non-QM financing solution for your next property.

Full-service residential mortgage solutions nationwide.

QUICK LINKS

OFFICE

5440 W 110th St

Overland Park, KS 66211

CONTACT

NMLS#

Company NMLS#

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