Non-QM Lending for Investors & Entrepreneurs
DSCR, bank statement, and asset-based loan programs built for real estate investors and self-employed borrowers whose income doesn't fit a traditional file.
1,000+ client reviews · Licensed Loan Officer III · North Olmsted, OH
Enter a property's rent and expenses to see its estimated debt-service coverage ratio.
Estimate only. Not a loan offer, approval, quote, rate lock, or commitment to lend. Actual DSCR, rate, and terms depend on underwriting guidelines, credit profile, and property qualification. Program minimums vary by investor.
Debt-Service Coverage Ratio compares a property's rental income to its housing payment. Above 1.0x, the property covers itself.
Instead of your personal tax returns or pay stubs, the property's own cash flow is what drives approval on most DSCR programs.
Landlords scaling a portfolio, entrepreneurs with irregular income, and borrowers whose tax returns understate real cash flow.
Loan Programs
Three ways to qualify when a standard W-2/tax-return file doesn't reflect your full financial picture.
How It Works
Use the DSCR Quick-Check above to see where a property likely lands before you apply.
Walk through your goals, portfolio, and timeline, and get matched to the right Non-QM program.
Move forward with clear guidance from application through funding.
Questions Investors Ask
Typically no. Most DSCR programs qualify the loan using the property's projected rental income rather than your personal tax returns or pay stubs. Program requirements vary, so exact documentation depends on the specific loan and investor guidelines.
Many DSCR programs allow title to be held in an entity name such as an LLC. We can go over what a specific program allows once we know more about your setup.
Requirements vary by program and investor. Many programs look for 1.0x or higher, and some no-ratio or lower-DSCR programs exist for properties below that line. We'll match you to a program based on your actual numbers.
Bank statement and asset-based programs are built for exactly this. They use your account deposits or liquid assets instead of a tax-return-based income calculation.
Timelines vary by program and property, but many DSCR and bank statement loans move on a similar timeline to conventional financing. Bridge and fix-and-flip loans can often move faster. We'll give you a realistic timeline once we know the details.
Client Experience
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Run the DSCR Quick-Check above, or connect directly with Catherine to talk through your next deal.