Mortgage Guides
Mortgage Guides & Resources
Step-by-step playbooks for the most common scenarios our borrowers face. Built from the same guidelines our underwriters use — no fluff, just the numbers and the workflow.
Browse the guides
How to Get a DSCR Loan
The 8-step playbook for closing a DSCR loan — from FICO check and rent analysis through underwriting and closing in 15-21 days.
How to Qualify for a Bank Statement Loan
The 7-step playbook for self-employed borrowers — personal vs business statements, expense-ratio methods, and how qualifying income is actually calculated.
Down Payment Requirements by Loan Program
Side-by-side comparison of minimum down payments across DSCR Standard, DSCR Foreign National, multi-unit, and Prime Time bank-statement programs.
How to Calculate Your DSCR
The DSCR formula explained with three worked examples — including the short-term rental variant (gross rents × 0.80) and what happens when your DSCR is below 1.00.