Mortgage Navigator • Non-QM / Non-Conforming

DSCR Investor Loans

DSCR programs can qualify an investment property primarily from the property's cash-flow relationship rather than the borrower's traditional personal-income calculation.

Basic concept

DSCR compares qualifying property income with an investor-defined housing or debt-service obligation. The exact numerator, denominator, rent documentation and minimum ratio vary by program.

Business-purpose distinction

Many DSCR products are structured for investment/business-purpose transactions rather than owner-occupied consumer mortgages. Legal and regulatory treatment can differ, so occupancy and loan purpose must be represented accurately.

Product-specific guidelines matter. Non-QM and non-conforming products are private-investor programs. Documentation, credit, LTV, reserves, property, prepayment terms where legally permitted, and other requirements vary by investor, lender, occupancy and loan purpose. Examples here are educational—not universal eligibility promises.

Consumer-protection references

CFPB Ability-to-Repay / Qualified Mortgage Rule · CFPB: What is a Qualified Mortgage?