Non QM Insights From Team AHL
The Leader In Non QM Lending Since 2008
Rehab Budget Best Practices: Scope of Work for Flip Financing
A well-constructed rehab budget is the foundation of successful fix and flip financing—it demonstrates project viability to lenders, guides contractor negotiations, and provides the roadmap for draw requests throughout renovation. For brokers helping investors secure...
Exit Strategies for Fix & Flip Investors: Sell vs Refinance Analysis
Every fix and flip project reaches a decision point: sell the renovated property for immediate profit or refinance into a rental loan and build long-term wealth through cash flow and appreciation. For brokers advising investor clients, understanding when each exit...
Understanding ARV: How to Evaluate After Repair Value for Flip Loans
After repair value (ARV) is the foundation of every fix and flip transaction—it determines maximum loan amount, shapes deal economics, and ultimately decides whether a flip succeeds or fails. For brokers originating fix and flip loans, understanding how ARV is...
Fix and Flip Loans for Brokers: Complete Wholesale Partner Guide
Fix and flip loans represent one of the highest-value opportunities in wholesale mortgage—with average loan amounts exceeding $300,000 and repeat borrowers who need financing for multiple projects annually. For brokers who master this product category, fix and flip...
Expense Ratio Optimization
Maximizing Qualifying Income for Bank Statement Borrowers The expense ratio applied to a bank statement loan can swing qualifying income by 20-40%, making expense ratio optimization one of the most powerful levers brokers have for getting self-employed borrowers...
Personal vs Business Bank Statement Loans: Which Program Fits Your Client?
Bank statement loans offer two distinct qualification paths—personal statements and business statements—each with unique advantages depending on your borrower's business structure, income flow, and documentation availability. Choosing the right path can mean the...
Bank Statement Loans: Income Qualification Guide for Self-Employed Borrowers
Bank statement loans qualify self-employed borrowers using personal or business bank deposits rather than tax returns, allowing entrepreneurs to use actual cash flow for mortgage qualification. For brokers serving business owners, freelancers, and gig economy workers,...
Short-Term Rental DSCR Loans: Financing Airbnb and Vacation Rental Properties
Short-term rental (STR) properties operated on platforms like Airbnb and VRBO can qualify for DSCR financing, allowing investors to leverage rental income projections rather than personal income documentation. For brokers serving clients in the vacation rental space,...
DSCR vs DTI: Choosing the Right Qualification Path for Investment Property Clients
Mortgage brokers serving real estate investors face a fundamental decision when structuring every deal: should you qualify the borrower based on their personal income using Debt-to-Income ratio (DTI), or qualify based on the property's rental income using Debt Service...
How to Calculate DSCR: A Step-by-Step Guide for Mortgage Brokers
The Debt Service Coverage Ratio (DSCR) measures whether an investment property generates sufficient rental income to cover its mortgage payment. For brokers originating non-QM loans, understanding DSCR calculations is essential for qualifying investor clients and...