DSCR Loan Rates Are Easing: How to Qualify Fast (Even No Ratio)

Written by Darrin Seppinni | Dec 3, 2025 2:31:09 AM

Purchase or refinance a rental property—

without personal income docs

Rates have moved down—it’s a good time to compare DSCR pricing.
20% down options, no‑reserves options, and No‑DSCR/No‑Ratio programs are available through select lenders.
Refi boost: qualify using the higher of market rent or lease (program‑dependent).
Cash‑out on rehab? Many lenders now allow no seasoning.
Want a stronger approval? See “Boost Your DSCR with Asset Depletion” below.

About the Author

Darrin J. Seppinni is President of HomeLife Mortgage and a published author with more than forty years in the mortgage industry. He specializes in non-traditional programs—including Bank Statement Loans, DSCR Loans, and No-Doc Loan solutions—that serve self-employed borrowers and real-estate investors.

Contact
Email: darrin@homelifemtg.com | Phone: 949-681-7280

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About HomeLife Mortgage

For more than 25 years, HomeLife Mortgage has built a strong reputation in California and Florida as a leading mortgage broker, servicing the needs of borrowers who have been unable to obtain conventional financing. HomeLife Mortgage is at the forefront of non-bank lending offering the next generation of mortgages including Jumbo Loans, Real Estate Investor Loans, and Bank Statement Loans.

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