Lendz Insights
Actionable lending insights to help mortgage brokers and LOs close more loans.
Featured Articles
Top insights and stories shaping today’s mortgage market.
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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.
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.
DSCR Mastery Playbook
Learn how to confidently sell DSCR loans to real estate investors.
Case Studies
Real-world lending success stories from our clients.
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7-Day CTC: Closing a Time-Sensitive 1031 Exchange Purchase with DSCR
When a 1031 exchange purchase came down to the wire, Central Lending needed a DSCR partner who could move quickly and handle a unique property structure: two buildings on one parcel. Lendz stepped in with a flexible DSCR solution, fast answers, and clear communication from day one.
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7-Day CTC: Saving a Deal with Complicated Income
Clayton Mortgage helped save a challenging loan scenario after a borrower’s complicated income structure failed to meet conforming guidelines. By working with Lendz Account Executive Justin Smith, Austin Clayton found a fast alternative through a DSCR<1 program. The file achieved clear to close in just 7 days with zero delays, helping the borrower move forward and reinforcing Clayton Mortgage’s trust in Lendz as a reliable lending partner.
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7-Day CTC That Turned a Stalled Deal Into a Win
Tidal Mortgage Group turned to Lendz when a delayed loan was on the verge of falling apart. In just 7 days, Lendz helped clear the file to close, accepted the transferred appraisal with no added delays, and delivered an on-time closing that not only saved the deal, but also earned repeat referrals and a long-term non-QM partnership.
Non-QM Programs
Non-QM program insights to help brokers match borrowers with the right solution.
View all PostsDSCR 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.
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.
Broker Tips Non-QM Edition
Broker-focused tips and non-QM strategies to close more loans with confidence.
View all PostsUnderstanding 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.
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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.
Types of Non-QM Loans: Which One Fits Your Needs?
Understanding the different types of non-QM loans helps mortgage brokers match borrowers to the right financing solution faster. From DSCR and bank statement loans to P&L, asset depletion, jumbo, and foreign national programs, each option serves a different borrower profile and deal structure.
