DSCR & Non-QM Products
T.J. Rasmussen, Senior Loan Officer — FHA, VA, conventional, jumbo, USDA, and DSCR home loans with clear guidance and fast pre-approvals.
T.J. Rasmussen, Mortgage Loan Officer
Barrett Financial
Phone: (913) 787-6360
Email: [email protected]
NMLS# 1198524
Company NMLS# 181106
Licensed in: KS, MO, FL
T.J. Rasmussen | NMLS #1198524 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | FL MLD1880 | KS MC.0025726 | MO | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
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
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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.
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CONTACT
NMLS#
Company NMLS#
T.J. Rasmussen | NMLS #1198524 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | FL MLD1880 | KS MC.0025726 | MO | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
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