A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906

Unconventional Mortgage Brokers - A Wealth of Information and Service: (800) 718-8906

Search

No Ratio DSCR Loan

The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000.

Investor Income Documentation Does Not Apply

Notably, personal income verification isn’t required, and cash-out options can be used for any reserve requirements.

  • Alt Doc & Reduced Doc – 1 Year Employment

    1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.

    All Program Details

  • One Year “1099 Only” Income Reduced Doc Program

    The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible underwriting, and availability across 30+ states.

    All Program Details

  • Investor Bank Statement Loan

    Prime & Non-Prime | Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks, lending…

    All Program Details

  • Non-Prime Cash Out Refinance

    Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and…

    All Program Details

DSCR Mortgage Loan Program Highlights:

Credit Score: Minimum required credit score is 600

Loan-to-Value (LTV) Ratio: Maximum LTV is 85%

Loan Amount: The loan must be between $200,000 and $3,000,000

Income Verification: Personal income is not required to qualify

First-time homebuyers OK, 75% max LTV.

Cash-out funds can be used as reserves

No Ratio Option: There is a no ratio option available, which means debt service coverage ratio (DSCR) requirements can be waived.

This special DSCR mortgage loan program serves the needs of investors without existing experience in property ownership.

Non-Owner-Occupied Only