Non QM Insights From Team AHL
The Leader In Non QM Lending Since 2008
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...
DSCR Loans Explained: The Complete Broker Guide to Rental Property Financing
A DSCR loan (Debt Service Coverage Ratio loan) is a mortgage product that qualifies borrowers based on the rental income a property generates rather than the borrower's personal income. For mortgage brokers serving real estate investors, DSCR loans have become one of...
Unlocking Opportunity: Why 5–10 Unit DSCR Loans Are a Smart Play for Mortgage Professionals
As the multifamily lending landscape continues to evolve, brokers and mortgage professionals are in a unique position to capitalize on an increasingly dynamic and underexplored niche: 5–10 unit multifamily properties. While this segment has long existed between the...
Top 5 Myths About Non-QM Loans—Debunked
Introduction Non-qualified mortgage (Non-QM) loans are no longer a niche product. In 2025, they’ve become an essential offering for mortgage professionals looking to serve a diverse range of borrowers—including the self-employed, real estate investors, retirees, and...
Financing the Future: How Bank Statement Loans Are Empowering the Self-Employed
The mortgage industry is undergoing a profound transformation, significantly influenced by the rapid growth of self-employed individuals and the burgeoning gig economy. Across the United States—from the tech-centric hubs of California and the entrepreneurial spirit...
The Rise of Non-QM Lending: Meeting Modern Borrower Needs with Smart, Flexible Solutions
In today’s dynamic housing market, the mortgage landscape is evolving faster than ever before. With millions of borrowers falling outside traditional lending boxes, the rise of non-qualified mortgage (non-QM) lending represents one of the most important shifts in the...