Non-QM Express DSCR
Program type: dscr
Not yet verifiedAuto-checked Oct 4, 2026
DSCR rules
- Minimum DSCR
- 1.00
- Sub-1.0 DSCR allowed
- Yes
- Sub-1.0 floor
- 0.75
- No-ratio option
- No
- No-ratio max LTV
- n/a
Credit and leverage
- Minimum FICO
- 660
- Max LTV, purchase
- 80%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- 75%
- Loan amount
- $100,000 to $3,500,000
Geography and collateral
- States
- All except Alaska, Iowa, Mississippi, Nebraska, North Dakota, South Dakota (45)
- Property types
- Single-family, PUD, Townhome, Condo, 2-4 units
- Short-term rentals
- Yes
- STR minimum DSCR
- n/a
- Rural allowed
- Yes
- Max acres
- 5.00
- 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
- 3 months
- Max loans per borrower
- Not published
Terms
- Prepay options
- 1 yr 5% fixed, 2 yr 5% fixed, 3 yr 5% fixed, 4 yr 5% fixed, 5 yr 5% fixed
- Prepay required
- No
- Interest-only
- Yes
- Terms
- 30 yr, 40 yr
- Rate types
- 30-yr fixed, 40-yr fixed
Provenance
- Source
- Program page
- Document
- Guideline PDF
- Source retrieved
- Oct 4, 2026
- Last verified
- Not yet verified by a human
- Auto-checked
- Oct 4, 2026, matched the source
Research notes
Machine-extracted by the source check. Each value was taken from the lender's own pages with a quoted passage; see the change log. Yes/no fields the lender does not address hold the standard defaults.