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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Foreign National Loan Requirements: Eligibility and Opportunities
A broker-friendly guide to Foreign National loan requirements, covering eligibility, documents, DSCR vs. income-based options, funds to close, reserves, ACH setup, notarization, and common deal-killers to avoid.
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.
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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9-Day CTC: Helping an Experienced Investor Close Quickly on a Unique Property
After a previous lender increased closing costs by $17,000 late in the process, Tiziana Mauriello of J&J Worldwide Financial Services needed a lending partner who could deliver transparency, speed, and confidence for an experienced investor purchasing a unique primary residence. Lendz structured the $800K loan upfront, provided clear expectations from day one, and helped the file move smoothly through underwriting with zero delays.
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14-Day CTC: Saving a $1M+ Purchase Loan with 85% LTV Jumbo Financing
Select Home Lending helped save a $1M+ purchase loan after two non-QM lenders could not move the file forward due to reserve requirements. With the closing deadline approaching, Lendz stepped in with an 85% LTV Jumbo program requiring only three months of reserves instead of six. The file was transferred, a new appraisal was ordered, and the loan reached Clear to Close in just 14 days, helping the borrower keep the purchase on track.
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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.
Non-QM Programs
Non-QM program insights to help brokers match borrowers with the right solution.
View all PostsForeign National Loan Requirements: Eligibility and Opportunities
A broker-friendly guide to Foreign National loan requirements, covering eligibility, documents, DSCR vs. income-based options, funds to close, reserves, ACH setup, notarization, and common deal-killers to avoid.
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.
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.
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.
