#dscr-loans

#dscr-loans

Business purpose lending is experiencing a period of accelerated change. Rising securitization activity, new entrants, tighter regulatory expectations, and increased investor scrutiny are helping to reshape lenders' thinking about RTL and DSCR products. As we move toward 2026, the industry is examining both new opportunities and new pressures, prompting many to rethink efficiency, quality, and systems that support long-term scalability.

I would say the new product offering specifically resonates with promise number five: helping everyone home means everyoneWe can open up more markets for our partners, talking with investors out there, and start really helping everyone home. Scholl described a market shift over the last few years that has generated more interest in DSCR. The new product allows purchase, rate-term refinances, and cash-out refinances with a max loan amount of $3 million for the first two and $2.5 million for a cash-out.

Through UHM Platinum, investors will have access to products that include bank-statement loans and debt-service-coverage ratio (DSCR) loans as well as qualified mortgage options such as jumbo and non-owner-occupied loans. UHM said it plans to continue expanding its non-QM product suite in the coming months to meet changing market demand. Union Home has enjoyed significant growth to our non-QM business, CEO Bill Cosgrove said in a statement.

The group reportedly purchased more than 700 homes largely in majority-Black neighborhoods at inflated prices financed by debt service coverage ratio (DSCR) loans. Investors are accused of taking out $100 million in DSCR loans from dozens of private lenders using projected rental income as collateral. According to the report, many transactions were recorded for prices far above each property's previous sale value or public appraisal estimate.