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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How Many Months of Bank Statements Are Needed for a Mortgage?
Learn how many months of bank statements self-employed borrowers typically need for a mortgage and when to choose a 12- or 24-month documentation path. This guide explains how qualifying income is calculated, which statements to submit, common underwriting red flags, document freshness rules, and how brokers can prepare a cleaner non-QM bank statement loan submission.
P&L Loan Interest Rates Explained
What determines a P&L loan interest rate? This guide explains how credit, LTV, loan structure, documentation, reserves, and qualifying income affect non-QM pricing. Brokers can also review the P&L income formula, documentation requirements, and how P&L loans compare with bank statement and full doc options.
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.
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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.
Broker Tips Non-QM Edition
Broker-focused tips and non-QM strategies to close more loans with confidence.
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How to Calculate Mortgage Amortization
Learn how to calculate mortgage amortization using the standard payment formula, build a month-by-month schedule, and apply the correct payment to PITIA, DTI, and DSCR. This guide also explains how interest-only loans, ARMs, extra principal payments, refinances, and rounding differences affect non-QM loan qualification.
Why Zero Down Payment DSCR Loans Don’t Exist
Can you get a DSCR loan with no down payment? In compliant non-QM lending, true zero-down DSCR financing is not a realistic option. Learn why DSCR programs require borrower equity and reserves, how rental income determines qualification, and which legitimate strategies may help investors reduce their cash to close.
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.
