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,...
by Eric Krattenstein | Jan 19, 2026 | DSCR Insights, Non-QM Lending, Tips and Tricks
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...
by Eric Krattenstein | Jan 12, 2026 | DSCR Insights, Non-QM Lending, Tips and Tricks
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...
by Eric Krattenstein | Jan 5, 2026 | DSCR Insights, Non-QM Lending, Tips and Tricks
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...
by Eric Krattenstein | Jul 17, 2025 | DSCR Insights, Non-QM Lending, Tips and Tricks
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...
by Eric Krattenstein | May 27, 2025 | Non-QM Lending, Tips and Tricks
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...
