Non-QM
No Ratio DSCR
Unlock your real estate investment potential with CMRE's No Ratio DSCR loan program. This unique Non-QM option allows you to qualify based on the property's cash flow, not your personal income. Secure financing starting at 7.5% for your investment property and expand your portfolio today.
Program Benefits
Qualify based on the property's Debt Service Coverage Ratio (DSCR), not your personal income.
Ideal for self-employed individuals, real estate investors, and those with complex income situations.
Streamlined application process with minimal documentation requirements.
Competitive rates starting at 7.5% to maximize your investment returns.
Access loan amounts tailored to your investment needs.
Flexible terms and options to align with 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
- •Personal income documentation is not the primary factor for qualification.
- •Focus is on the property's ability to generate sufficient rental income to cover mortgage payments.
- •Bank statements may be required to verify asset reserves.
Asset Verification
- •Sufficient reserves to cover several months of mortgage payments, taxes, and insurance.
- •Verification of down payment funds.
- •Clear and verifiable asset documentation is required.
Insurance & Title
- •Hazard insurance to protect the property against damage or loss.
- •Liability insurance to cover potential legal claims.
- •Flood insurance may be required depending on the property's location.
Property Requirements
- •Minimum FICO score of 660.
- •Review of credit history to assess overall creditworthiness.
- •Favorable consideration for borrowers with a history of responsible credit management.
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 No Ratio DSCR loan is a type of Non-QM loan that allows you to qualify based on the property's cash flow, rather than your personal income. This is determined by the property's Debt Service Coverage Ratio (DSCR).
The primary benefit is the ability to qualify without extensive personal income documentation. This makes it easier for self-employed individuals and real estate investors to obtain financing.
The minimum FICO score required is 660.
The maximum LTV is 80%.
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."
