01
DSCR
DSCR Rental Loans
Qualify with property cash flow—not personal income. Built for long-term and short-term rental investors.
1–4 UNIT · STR · LLC OK↗NON-QM CAPITAL FOR PEOPLE WHO DON’T FIT THE BOXSCENARIO DESK: (000) 000-0000 · DEALS@INVESTORSURFACE.COM ↗
NON-QM MORTGAGE SOLUTIONS
Built for how
you actually
earn.
Flexible capital for real estate investors, entrepreneurs, and self-employed borrowers. Your deal is more than a W-2 and a tax return.
LIVE DEAL SNAPSHOTIN REVIEW
SUBJECT PROPERTY4-unit rentalAustin, TX · Investor owned
PURCHASE$1.24M
LOAN$868K
LTV70%
DSCR1.28×
INCOME DOCSPROPERTY CASH FLOW ONLY
NO TAX
RETURNS
RETURNS
DSCR ◆ BANK STATEMENTS ◆ NO RATIO ◆ ASSET DEPLETION ◆ 1099 / P&L ◆ BRIDGE ◆ FOREIGN NATIONAL
THE NON-QM TOOLKIT
One box was
never enough.
Different income. Different property. Different strategy. We map the loan to the full story—so strong borrowers and smart deals get a fair look.
02
12/24
Bank Statement Loans
Turn 12 or 24 months of business or personal deposits into qualifying income.
SELF-EMPLOYED · UP TO $3M↗03
P&L
P&L / 1099 Loans
Use a CPA-prepared profit-and-loss statement or 1099 history instead of tax returns.
BUSINESS OWNERS · FLEXIBLE DOCS↗04
NR
No-Ratio Investor Loans
Finance select investment properties without calculating income or DSCR.
INVESTMENT ONLY · FAST CLOSE↗05
ADV
Asset Depletion
Convert eligible liquid assets into qualifying monthly income—ideal for high-net-worth borrowers.
NO EMPLOYMENT REQUIRED↗06
BRG
Bridge & Fix-to-Rent
Move quickly on an acquisition, renovation, or stabilized rental exit with one connected strategy.
PURCHASE · REHAB · REFI↗ALSO AVAILABLE
Foreign national loans
Interest-only options
Jumbo non-QM
Mixed-use properties
Recent credit events
60-SECOND SCENARIO FINDER
Bring us the
real picture.
Start with the strategy, documentation, and property. We’ll point you toward a likely fit—without forcing your situation into a conventional checklist.
HAVE A COMPLEX FILE?Send it to our scenario desk for a human review.DEALS@INVESTORSURFACE.COM ↗
01
What are you financing?
02
What tells your income story best?
YOUR LIKELY STARTING POINTDSCR Rental Loan
Based on your selections. Final eligibility depends on the complete scenario.
Get a human scenario review ↗DEAL MATH, MADE VISIBLE
Run the rental
before you run
the credit.
Model a potential DSCR scenario. Change the property numbers to understand the relationship between rent and the estimated housing expense.
DSCR QUICK MODELILLUSTRATION ONLY
EST. PRINCIPAL + INTEREST$3,220/MO
EST. DSCR1.28×STRONG COVERAGE
*Uses a sample 30-year term at 7.625% plus $850/mo estimated taxes, insurance, and association dues. Not a quote.
FROM SCENARIO TO CLEAR TO CLOSE
Move at deal speed.
Direct answers, practical documentation, and a process designed around investors and business owners.
Tell us the whole story.
Property, income profile, credit, timeline, and exit strategy. We start with what makes the deal work.
Compare viable paths.
See loan options with the tradeoffs surfaced—documentation, leverage, reserves, rate, and prepay.
Close with fewer surprises.
A dedicated team keeps conditions clear and communicates through every milestone.
FIELD NOTES