Unlock Mortgage Opportunities with Non-QM Loans: Bank Statement & DSCR Programs Explained!

Discover the world of Non-QM loans! In this video, we break down two of the most popular Non-Qualified Mortgage (Non-QM) programs: the Bank Statement Program and the Debt Service Coverage Ratio (DSCR) Program. These innovative loan options are perfect for self-employed individuals and real estate investors looking to maximize their opportunities outside traditional lending standards. Learn how you can qualify for a mortgage using alternative methods that focus on your real income or property cash flow, instead of just your tax returns.

Are you're thinking about purchasing a home in Maryland, or any other of our licensed states (CA, CO, CT, DC, DE, FL, PA, SC, TX, VA)? We'd love to help you navigate the home loan process! Whether you’re a first-time home buyer, moving up, down-sizing or an investor, just give us a call, shoot us a text, send us an email, or schedule a Zoom call, and we'd love to help you finance your next home and make it as smooth as possible!
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00:00 Introduction
00:14 What are Non-Qualified Mortgages (Non-QM)?
00:41 Bank Statement Program: A Solution for Self-Employed Borrowers
01:49 How the Bank Statement Program Calculates Income
02:48 DSCR Program: Financing for Investment Properties
03:47 Down Payment Requirements for Non-QM Loans
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**Most stats and data mentioned came from the following sites and are not based on our opinions:
Best Schools: https://www.greatschools.org/maryland/baltimore/
More About Baltimore: https://en.wikipedia.org/wiki/Baltimore
Census Data: https://www.census.gov/quickfacts/baltimorecitymaryland
Neighborhood Data: https://www.niche.com

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Видео Unlock Mortgage Opportunities with Non-QM Loans: Bank Statement & DSCR Programs Explained! канала Team Ritter