Private Money Is Pouring Into Non-QM. Here's What That Means for You
Private credit now funds non-QM lending at record levels, and DSCR loans lead the way. What that shift means if you're self-employed or investing in rentals.
· 4 min read
Mortgage Blog
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DSCR Loans Have Gone Mainstream — Here's What That Means If You're Buying a Rental
DSCR loan volume is up 130% since 2022 — qualifying on rental income instead of tax returns is now mainstream, not a workaround.
· 3 min read
Non-QM Mortgages Just Hit a Record High. Here's What That Means If You're Self-Employed.
Non-QM loans hit a record 11.3% of mortgage volume in August 2026. Here's what that means if you're self-employed or investing in rental property.
· 4 min read
Rates Crossed 7% — DSCR Investors Barely Noticed
The 30-year rate hit 7.22% this week. Here's why that barely moves the needle if you're financing a rental with a DSCR loan.
· 4 min read
Rates Dipped This Week. Here's Why Self-Employed Buyers Shouldn't Read Too Much Into It.
Mortgage rates eased this week after a bond market scare, not a real shift. Here's what self-employed and business owner borrowers should do now.
· 4 min read
Self-Employed? Here's How to Actually Get a Mortgage in 2026
The three ways a self-employed borrower can qualify for a mortgage, in the order I check them, and what to bring on the first call.
· 7 min read