What is Investor DSCR?

This investment loan program offers an elegant blend of flexibility and robust features, catering specifically to the discerning investor. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. The inclusion of a 2/1 temporary buydown reflects its adaptability to different financial strategies. Furthermore, its diverse DSCR options, coupled with provisions for properties listed on platforms like AirDNA, emphasize its relevance in today’s dynamic investment landscape. With a foundational FICO requirement of 640 and an accommodating LTV threshold, this program is both inclusive and prudent. It is complemented by versatile property type options and judicious financial provisions, solidifying its position as a premium choice for serious investors.

Need a No Ratio Investor loan scenario review?

If you have a client scenario that you would like our team to review, please use our simple prequal submission form.


  • Up to 75% Max LTV
  • Loan Amounts: $150K–$3M+
  • Purchase, Rate and Term, Cash Out
  • Second Homes and NOO Business Purpose
  • Min FICO Score of 700 With Established U.S. Credit or Foreign Credit
  • 1–2 Years Documentation; Wage: 30 Days Pay Stubs (With YTD Info) and Either W-2 Equivalent or 2 Years Tax Returns or Letter From Employer; Self-Employed Documentation; Asset Utilization
  • 3 Years Seasoning From U.S. Credit Events
  • Foreign National


Become an Approved
Broker in Just Minutes!

Offer your clients even more financing options by becoming an NQM Funding, LLC-approved broker. You’ll gain access to our competitive loan packages, flexible programs, and top-quality support service to ensure that your clients are getting the best deal, every time.


This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.