Non-QM
DSCR (Investor Cash Flow)
Unlock your investment property potential with CMRE's DSCR (Investor Cash Flow) loan program. Designed for real estate investors, this Non-QM loan option allows you to qualify based on the property's cash flow, not your personal income, with rates starting at 7.5%. Secure financing with ease and expand your portfolio.
Program Benefits
Qualify based on the property's cash flow, simplifying the approval process.
Ideal for self-employed individuals and investors with complex income situations.
No personal income verification required, streamlining the application process.
Competitive rates, starting at 7.5%, designed for investment property financing.
Finance multiple properties to grow your real estate portfolio.
Flexible loan terms and options tailored to your investment strategy.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $3M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- 2-4 Unit Properties
Program Requirements
Income Documentation
- •Debt Service Coverage Ratio (DSCR) must meet program guidelines (typically above 1.0).
- •Rental income must be verifiable through appraisal or rent schedules.
- •Borrower must demonstrate experience in managing rental properties (preferred).
Asset Verification
- •Sufficient funds for down payment and closing costs.
- •Reserves to cover a certain number of months of mortgage payments (typically 3-6 months).
- •Verification of assets through bank statements.
Insurance & Title
- •Hazard insurance to cover the replacement cost of the property.
- •Flood insurance if the property is located in a flood zone.
- •Liability insurance to protect against potential claims.
Property Requirements
- •Minimum FICO score of 660.
- •Acceptable credit history with no major derogatory items.
- •Demonstrated ability to manage debt responsibly.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A DSCR (Debt Service Coverage Ratio) loan is a type of mortgage where approval is based on the property's ability to cover its debts (principal, interest, taxes, and insurance) with its rental income. It's a popular option for real estate investors.
The minimum DSCR varies by lender, but typically a DSCR of 1.0 or higher is required. Some lenders may require a higher DSCR depending on the property and borrower qualifications.
Interest rates for DSCR loans are typically higher than conventional mortgages, reflecting the increased risk associated with Non-QM loans. Rates can vary based on market conditions, borrower qualifications, and property characteristics. Our DSCR loans start at 7.5%.
Yes, you can. Lenders will typically use market rents or an appraisal to determine the potential rental income of the property.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
