by Keith Quinney | Jul 23, 2026 | Broker Guide, DSCR Insights, Market Analysis
A non-warrantable condo is any condominium project that fails Fannie Mae or Freddie Mac eligibility. Conventional financing is off the table. The deal still closes, but only if the broker knows where to take it. Non-warrantable condo deals used to be a niche corner of...
by Eric Krattenstein | Mar 16, 2026 | DSCR Insights, Market Analysis, Non-QM Lending
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...
by Eric Krattenstein | Feb 16, 2026 | DSCR Insights, Non-QM Lending
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...
by Eric Krattenstein | Feb 9, 2026 | DSCR Insights, Non-QM Lending
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...
by Eric Krattenstein | Feb 2, 2026 | DSCR Insights, Non-QM Lending
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,...
by Eric Krattenstein | Jan 26, 2026 | DSCR Insights, Non-QM Lending, Tips and Tricks
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,...
