Loan Programs
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are investment property mortgages that qualify borrowers based on the rental income potential of the property rather than personal income. The DSCR calculation compares the property's projected rental income to its debt service obligations, typically requiring a ratio of 1.0 or higher. These loans are particularly attractive to real estate investors building rental portfolios without personal income limitations. DSCR loans streamline the qualification process for experienced investors by focusing on property performance rather than complex personal financial documentation.
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans are alternative financing products that don't meet the Consumer Financial Protection Bureau's Qualified Mortgage standards, offering flexibility for borrowers with unique financial situations. These loans may feature interest-only payments, alternative income documentation, or higher debt-to-income ratios than traditional mortgages. Non-QM products serve borrowers who don't fit conventional lending criteria, such as self-employed individuals, real estate investors, or those with irregular income patterns. While offering greater flexibility, these loans typically carry higher interest rates and fees to reflect increased risk.
Commercial Loans
Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes. These loans are evaluated based on the property's cash flow potential, debt service coverage ratio, and borrower's commercial real estate experience. Commercial mortgages typically feature shorter terms, higher down payment requirements, and variable interest rates compared to residential loans. The underwriting process emphasizes property income generation and market analysis rather than personal income verification.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are investment property mortgages that qualify borrowers based on the rental income potential of the property rather than personal income. The DSCR calculation compares the property's projected rental income to its debt service obligations, typically requiring a ratio of 1.0 or higher. These loans are particularly attractive to real estate investors building rental portfolios without personal income limitations. DSCR loans streamline the qualification process for experienced investors by focusing on property performance rather than complex personal financial documentation.
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans are alternative financing products that don't meet the Consumer Financial Protection Bureau's Qualified Mortgage standards, offering flexibility for borrowers with unique financial situations. These loans may feature interest-only payments, alternative income documentation, or higher debt-to-income ratios than traditional mortgages. Non-QM products serve borrowers who don't fit conventional lending criteria, such as self-employed individuals, real estate investors, or those with irregular income patterns. While offering greater flexibility, these loans typically carry higher interest rates and fees to reflect increased risk.
Commercial Loans
Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes. These loans are evaluated based on the property's cash flow potential, debt service coverage ratio, and borrower's commercial real estate experience. Commercial mortgages typically feature shorter terms, higher down payment requirements, and variable interest rates compared to residential loans. The underwriting process emphasizes property income generation and market analysis rather than personal income verification.