Debt Service Coverage Ratio (DSCR) loans are a typical Non-QM loan which allows you to qualify for a mortgage based cash flow generated from an investment property through a rental. It is not based on your personal income.
Not very borrower can qualify for a traditional debt-to-income loan. Plus, ownership of an investment property is more than just a ratio. That’s why UFM team has introduced this DSCR loan solution, which allows a ratio as low as zero