Featured Articles
Actionable lending insights to help mortgage brokers and LOs close more loans.
Why Zero Down Payment DSCR Loans Don’t Exist
Can you get a DSCR loan with no down payment? In compliant non-QM lending, true zero-down DSCR financing is not a realistic option. Learn why DSCR programs require borrower equity and reserves, how rental income determines qualification, and which legitimate strategies may help investors reduce their cash to close.
Foreign National Loan Requirements: Eligibility and Opportunities
A broker-friendly guide to Foreign National loan requirements, covering eligibility, documents, DSCR vs. income-based options, funds to close, reserves, ACH setup, notarization, and common deal-killers to avoid.
Understanding Interest Rates on Bank Statement Loans
Bank statement loan interest rates are influenced by factors such as cash flow consistency, credit profile, LTV, documentation strength, reserves, loan structure, and overall borrower risk. For mortgage brokers working with self-employed borrowers, understanding these pricing drivers can help structure stronger files, set clearer borrower expectations, and improve execution within non-QM lending programs.
DSCR Loans: What Every Broker Needs to Know
DSCR loans help brokers qualify real estate investors based on a property’s cash flow instead of personal income. This makes them a strong non-QM option for clients who need faster approvals, fewer documentation requirements, entity eligibility, interest-only options, and financing flexibility for rental purchases, refinances, cash-out transactions, and portfolio growth.
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Working With 1099 Borrowers
1099 borrowers can be strong mortgage candidates, but qualifying them takes the right strategy. This article explains how 1099 loans work, what lenders look for when reviewing variable income, which documents matter most, and how brokers can structure cleaner non-QM files to improve approval odds.
Business Bank Statement Loans: How to Qualify Your Clients
Business bank statement loans help self-employed borrowers qualify using business deposits instead of tax returns. This article explains how brokers can review deposit consistency, separate eligible income, apply expense factors, calculate qualifying income, and match each file to the right non-QM program.
Understanding the Different Types of Second Mortgages
As more borrowers look for liquidity without refinancing, second mortgages are becoming an essential tool for brokers. This article breaks down the key second mortgage options, when each structure makes sense, and why they are gaining traction in non-QM lending as a flexible way to solve for debt consolidation, renovations, investments, and other large expenses.
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Lendz Financial EVP of Business Development, PJ Harley, Named 2026 HousingWire Rising Star
Lendz Financial announced that PJ Harley, Executive Vice President of Business Development, has been named a 2026 HousingWire Rising Star. The recognition highlights Harley’s leadership in expanding broker relationships, driving strategic initiatives, and advancing technology solutions that support Lendz Financial’s growth in the non-QM mortgage space.
Who Can Benefit from Non-QM Loans?
Non-QM loans help borrowers who fall outside traditional mortgage documentation standards still qualify for financing through alternative income verification methods. This includes self-employed borrowers, real estate investors, 1099 earners, foreign nationals, and others with complex income structures. For mortgage brokers and loan officers, understanding how to match these borrowers with the right non-QM program can open more opportunities and make challenging files more workable.
