If you’ve got solid credit and a decent amount of cash on hand—but no W2 income or traditional job—you might be wondering if it’s still possible to buy a home. The good news? It is, thanks to a lesser-known financing option called the Debt Service Coverage Ratio (DSCR) loan. This mortgage product is designed with…
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Traditional lenders often require extensive documentation, such as tax returns and bank statements, to verify income. But what if your tax returns don’t reflect your actual earnings, or your bank statements don’t show enough consistent income to meet the lender’s requirements? Fortunately, there’s a solution that can help you qualify for a mortgage without the…
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