What should an investor send before a DSCR review?
The first pass is about the property and the purpose. Rent, PITIA, payoff, requested loan amount, vesting, and timing help determine whether DSCR or another Non-QM path should be reviewed.
PropertyProperty type, market, estimated value, occupancy, lease or rent estimate, and insurance/tax context.
DebtCurrent payoff, requested loan amount, cash-out if any, and monthly debt service estimate.
InvestorVesting, entity status, credit context, and number of financed properties if relevant.
PurposePurchase, refinance, cash-out, portfolio positioning, or business-purpose capital need.
What usually slows down investor review?
Unclear business purpose, mismatched rent assumptions, missing payoff, incomplete property list, or a consumer-purpose request routed through an investor path.