HomeXpress Mortgage DSCR loan requirements

HomeXpress Mortgage Corp is a wholesale non-QM lender headquartered at 1936 E. Deere Avenue, Suite 200, Santa Ana, CA 92705, offering PrimeX, CoreX, InvestorX/DSCR, business-purpose, and government/agency programs through approved brokers.

wholesaleBroker channelHQ CaliforniaNot yet verifiedAuto-checked Oct 4, 2026Lender website Broker / wholesale page

2 programs

InvestorX 5-8 Unit DSCR

Program type: dscr

Not yet verifiedAuto-checked Oct 4, 2026

DSCR rules

Minimum DSCR: n/a
Sub-1.0 DSCR allowed: No
Sub-1.0 floor: n/a
No-ratio option: No
No-ratio max LTV: n/a

Credit and leverage

Minimum FICO: 700
Max LTV, purchase: n/a
Max LTV, rate/term: n/a
Max LTV, cash-out: n/a
Loan amount: n/a to n/a

Geography and collateral

States: Not published
Property types: 5+ units
Short-term rentals: No
STR minimum DSCR: n/a
Rural allowed: Not published
Max acres: Not published
Min square feet: Not published

Borrower rules

Entity (LLC) borrowers: Yes
Individual borrowers: Yes
Foreign nationals: No
ITIN borrowers: No
First-time investors: Yes
Minimum experience: Not published
Cash-out seasoning: Not published
Reserves: Not published
Max loans per borrower: Not published

Terms

Prepay options: Not published
Prepay required: Not published
Interest-only: Not published
Terms: Not published
Rate types: Not published

Provenance

Source: Program page
Document: None public
Source retrieved: Oct 4, 2026
Last verified: Not yet verified by a human
Auto-checked: Oct 4, 2026, matched the source

Research notes

Variant for 5-8 unit residential investment properties: the Business Purpose page states min FICO 700 for 'InvestorX 5-8 DSCR'. The 0.75 min DSCR is stated for InvestorX generally; it is not clear whether it applies to the 5-8 unit variant, so treat with caution. All other fields not stated; STR/FN/ITIN/no-ratio set false from silence and entity/individual/first-time investor assumed true from silence.

InvestorX DSCR (1-4 unit)

Program type: dscr

Not yet verifiedAuto-checked Oct 4, 2026

DSCR rules

Minimum DSCR: n/a
Sub-1.0 DSCR allowed: Yes
Sub-1.0 floor: 0.75
No-ratio option: Yes
No-ratio max LTV: 70%

Credit and leverage

Minimum FICO: 620
Max LTV, purchase: 80%
Max LTV, rate/term: 80%
Max LTV, cash-out: 80%
Loan amount: n/a to $2,500,000

Geography and collateral

States: Not published
Property types: Single-family, 2-4 units, Condo
Short-term rentals: Yes
STR minimum DSCR: n/a
Rural allowed: Yes
Max acres: Not published
Min square feet: Not published

Borrower rules

Entity (LLC) borrowers: Yes
Individual borrowers: Yes
Foreign nationals: Yes
ITIN borrowers: Yes
First-time investors: Yes
Minimum experience: Not published
Cash-out seasoning: Not published
Reserves: Not published
Max loans per borrower: Not published

Terms

Prepay options: 5 yr, 4 yr, 3 yr, 5 yr tiered, 2 yr, 1 yr
Prepay required: No
Interest-only: Yes
Terms: Not published
Rate types: Not published

Provenance

Source: Program page
Document: None public
Source retrieved: Oct 4, 2026
Last verified: Not yet verified by a human
Auto-checked: Oct 4, 2026, matched the source

Research notes

Found on the Business Purpose page: min FICO 620, DSCR '0.75 or greater', non-occupant residential properties up to 4 units, short-term gross rents accepted as DSCR income type with AirDNA Rentalizer/Overview reports accepted on purchases. Homepage lists 'Foreign National programs' under InvestorX/DSCR, so foreignNationalAllowed is true. States 'ALL' comes from the Where We Lend page (50 states + DC). NOT found publicly: LTVs, loan amount min/max, prepay, IO, terms/ARMs, reserves, seasoning, no-ratio, ITIN, entity vesting (entity/individual/first-time investor assumed true from silence; ITIN/no-ratio false from silence). No public matrix PDF; /programs and /products pages only describe consumer-purpose products and a guessed /investorx/ URL returned 404.

About the lender record

Wholesale/broker-only ('thousands of brokers in our approved network'). Licensed in all 50 states plus DC per its Where We Lend page; Massachusetts noted as 'No License Needed For Business Purpose Loans'. The DSCR product is branded InvestorX (sometimes 'Investor Xpress'); rate sheets and matrices are referenced but sit behind the broker portal and are not public. Sources read: https://www.homexmortgage.com/, https://www.homexmortgage.com/business-purpose/, https://homexmortgage.com/where-we-lend/, https://homexmortgage.com/programs, https://homexmortgage.com/products/, https://homexmortgage.com/investorx/

Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.