Flexible Financing for Unique Borrowers and Real Estate Investors

At Manny The Mortgage Guy, we understand that not every borrower fits into the traditional mortgage mold. That’s why we offer Non-Qualified Mortgage (Non-QM) and Debt-Service Coverage Ratio (DSCR) loan solutions — ideal for self-employed individuals, real estate investors, and anyone with unconventional income sources.

What Are Non-QM Loans?

Non-QM loans are designed for borrowers who may not meet the strict income or documentation requirements of conventional or government-backed loans. These loans offer more flexible underwriting guidelines and are a great fit for:

• Self-employed professionals or freelancers

• Business owners with complex financials

• Borrowers with recent credit events (bankruptcy, foreclosure, etc.)

• Individuals with high assets but limited documented income

• Foreign nationals looking to invest in U.S. real estate

Unlike traditional loans, Non-QM options allow alternative forms of income verification, such as bank statements, asset depletion, or rental income, making homeownership or investment more accessible for a wider range of clients.

What Are DSCR Loans?

DSCR (Debt-Service Coverage Ratio) loans are specifically designed for real estate investors who want to qualify based on the income their investment property generates — not personal income.

Instead of focusing on your employment history or tax returns, DSCR loans evaluate the property’s cash flow and rental income to determine loan eligibility. This makes it easier and faster for investors to grow their portfolios.

A DSCR of 1.0 or higher usually indicates that a property earns enough income to cover its debt obligations — a key factor in approval.

Ideal for:

• Real estate investors building rental portfolios

• Investors purchasing or refinancing income-producing properties

• Borrowers looking for fast and simplified financing without income verification

Why Choose Manny The Mortgage Guy for Non-QM / DSCR Loans?

• Fast, flexible approvals for unique financial situations

• Customized loan structures to match your goals

• Extensive experience working with investors and self-employed clients

• Access to a wide network of Non-QM and DSCR lenders

• Guidance through every step of the process with a personal touch

Whether you’re self-employed and need alternative documentation, or you’re a seasoned investor looking to expand your property holdings, Manny is here to help you navigate the lending process with confidence and clarity.

Call today at (813) 359-7196 or email mlindo@c2financial.com to explore your Non-QM or DSCR loan options.

Let’s turn your unique financial situation into a strategic advantage.