Lendmire Research

Retirement accounts get discounted before age 59½ because early withdrawals carry a tax penalty.

DSCR loans only work for properties the borrower never occupies.

Leverage on a second home runs lower than on a primary residence and steps down as the loan size grows.

– Asset qualifier loans substitute verified liquid assets for pay stubs, W-2s, and tax returns.

A lender counts your eligible cash and investment accounts, applies a haircut to volatile holdings, and divides what’s left by a set number of months.

One road qualifies the borrower’s personal cash flow off 12 or 24 months of statements.

Underwriters take your eligible assets, subtract what you need for closing, and divide the rest by a set number of months.

Lendmire arranges these files through select wholesale lenders, subject to underwriting.

No tax returns. No W-2s. Just statements.

Investors buying property to rent it out almost always move to a different lane: DSCR underwriting, which qualifies the deal on the property’s own rent.

Leverage runs lower than on a primary residence and steps down further as the loan size climbs.

A lender adds up eligible liquid assets, applies a discount to volatile holdings, and divides the total by a set number of months.

Lenders convert that asset pool into a monthly qualifying figure using a set divisor, then run standard debt-to-income math on top of it.