Non-QM
DSCR (Investor Cash Flow) in Charlotte, NC
Charlotte homebuyers trust Custom Mortgage for their DSCR (Investor Cash Flow) needs. With deep knowledge of the local market, from Ballantyne to South End, we provide tailored solutions with rates as low as 7.5%.
Key Facts About DSCR (Investor Cash Flow)
CMRE DSCR loans qualify investors using property rental income only.
CMRE requires no personal income documentation for DSCR loans.
CMRE DSCR loan amounts range from $100,000 to $5,000,000.
CMRE finances Airbnb and VRBO properties via DSCR programs.
CMRE DSCR loans close in LLC, corporation, or trust names.
CMRE DSCR programs have no limit on financed properties.
CMRE commercial DSCR loans cover 5+ unit buildings and mixed-use.
CMRE processes DSCR loans in as few as 21 days.
Program Benefits
No personal income verification — qualify 100% on the property's rental income.
No tax returns, W-2s, pay stubs, or employment verification required.
Loan amounts from $100,000 to $5,000,000 for residential and commercial investment properties.
Close in the name of an LLC, corporation, or trust for asset protection.
Short-term rental income (Airbnb/VRBO) accepted using 12-month history or market rent projections.
Available for SFR, 2-4 units, 5+ unit multifamily, mixed-use, and commercial properties.
Interest-only payment options available to maximize cash flow.
No limit on financed properties — scale your portfolio without lending caps.
Cash-out refinance available up to 75% LTV to fund your next acquisition.
CMRE closes DSCR loans in as few as 21 days from application.
Program Highlights
Max LTV
80%
Min Credit Score
660 (620 with exceptions)
Max DTI
N/A (no personal DTI)
Loan Amount Range
$100,000 - $5,000,000
Amortization Options
Eligible Properties
- Single Family Rental
- 2-4 Units
- 5+ Unit Multifamily
- Mixed-Use
- Short-Term Rental (Airbnb/VRBO)
- Condo
Program Requirements
Income Documentation
- •No personal income docs required.
- •Property must show DSCR of 1.0x or higher (rent >= payment).
- •STR income accepted with 12-month platform history or 1007 rent schedule.
- •Multi-property portfolios evaluated individually or as blanket loan.
Asset Verification
- •Down payment 15%-25% depending on property type and DSCR ratio.
- •6-12 months PITIA reserves required per property.
- •Seasoned funds: 2 months in borrower's or entity account.
- •Cash-out refi proceeds can serve as reserves for next purchase.
Insurance & Title
- •Landlord insurance policy required.
- •Flood insurance if in FEMA flood zone.
- •Title insurance required at closing.
Property Requirements
- •Minimum FICO 660 for most programs.
- •620-659 accepted with 25%+ down.
- •No bankruptcies within 4 years.
- •No foreclosures within 3 years.
DSCR (Investor Cash Flow) in Charlotte: The Complete Guide
What Is a DSCR Loan?
A DSCR loan qualifies investors based on the property's rental income relative to its mortgage payment. The ratio is calculated as Monthly Rent / Monthly PITIA (Principal, Interest, Taxes, Insurance, Association dues). A DSCR of 1.0x means rent covers the payment; 1.25x means rent exceeds it by 25%. Most lenders require a minimum 1.0x, though some programs allow 0.75x for strong borrowers. CMRE underwrites DSCR for both residential (1-4 unit) and commercial (5+ unit) properties. DSCR loans account for the fastest-growing segment of the Non-QM market, with origination volume increasing 40% year-over-year.
How DSCR Is Calculated
- •DSCR = Monthly Gross Rent / Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA).
- •Example: $3,000 rent / $2,400 PITIA = 1.25x DSCR — qualifies.
- •For STRs: CMRE uses trailing 12-month average from Airbnb/VRBO or a 1007 market rent schedule.
- •Multi-unit: total rent from all units used in calculation.
- •CMRE accepts ratios as low as 0.75x for 740+ FICO with 30%+ down.
DSCR vs. Conventional Investment Property Loans
- •Conventional investment loans require full income docs (W-2s, tax returns, DTI) and cap at 10 financed properties.
- •DSCR requires zero personal income docs and has no property count cap.
- •Conventional rates are 0.5%-1.0% lower, but DSCR offers far more flexibility.
- •DSCR allows LLC/Corp vesting; conventional requires personal name on title.
- •Professional investors with 10+ properties often have no choice but DSCR.
CMRE Commercial DSCR Programs
CMRE extends DSCR lending beyond 1-4 units into commercial territory. Commercial DSCR programs cover 5+ unit apartments, mixed-use (retail/residential), office buildings, and light industrial. Commercial DSCR loans range from $500K to $5M with terms up to 30 years. Underwriting uses net operating income (NOI) instead of gross rent, and minimum DSCR ratios are 1.20x-1.25x. Available to LLCs, corporations, and experienced investors with portfolios of any size.
Airbnb and Short-Term Rental DSCR Loans
CMRE finances short-term rental properties through specialized DSCR programs. For properties with existing STR history, CMRE uses trailing 12-month average rental income from the platform. For new acquisitions without history, CMRE accepts a 1007 market rent schedule from a licensed appraiser or AirDNA comparable data. STR DSCR loans require minimum 25% down, 680 FICO, and 6 months PITIA reserves.
How to Apply for a DSCR Loan with CMRE
- •Step 1: Submit property details — address, purchase price, estimated rent, and property type.
- •Step 2: CMRE runs DSCR analysis using actual or projected rent vs. estimated PITIA.
- •Step 3: Credit check and entity documentation (LLC operating agreement if applicable).
- •Step 4: Appraisal ordered with 1007 rent schedule to verify market rent.
- •Step 5: Underwriting — average 5-7 business days.
- •Step 6: Close in 21-30 days. Fund in entity name.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →DSCR (Investor Cash Flow) in Charlotte, NC
Charlotte NC mortgage lending. Competitive rates for the Queen City and surrounding areas. Custom Mortgage & Real Estate specializes in providing high-fidelity DSCR (Investor Cash Flow) solutions tailored to the unique economic landscape of Charlotte and the surrounding Mecklenburg County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireCharlotte metropolitan area.
Service Areas & Neighborhoods
Our Charlotte Presence
Local Knowledge. Global Rates.
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877-976-5669Common Questions About DSCR (Investor Cash Flow) in Charlotte
What are current DSCR (Investor Cash Flow) rates in Charlotte, NC?
DSCR (Investor Cash Flow) rates in Charlotte depend on loan amount, credit profile, and property type. CMRE publishes updated Charlotte rate ranges daily and provides locked quotes within 24 hours of application.
How long does DSCR (Investor Cash Flow) closing take in Charlotte?
CMRE typically closes DSCR (Investor Cash Flow) loans in Charlotte within 21-30 days from application. Pre-approval takes 24 hours, and our NC-licensed team coordinates title, escrow, and appraisal concurrently to save time.
Can self-employed borrowers get DSCR (Investor Cash Flow) in Charlotte?
Yes. CMRE DSCR (Investor Cash Flow) programs serve self-employed Charlotte borrowers using 12-24 months of bank statements instead of tax returns. Business owners, freelancers, and gig workers in Mecklenburg County qualify under non-QM guidelines.
What documentation does DSCR (Investor Cash Flow) require in Charlotte?
DSCR (Investor Cash Flow) through CMRE requires alternative documentation instead of traditional tax returns. Options include bank statements, 1099 forms, asset verification, or profit & loss statements. Our Charlotte team guides you through the most favorable documentation path.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
CMRE requires minimum 1.0x (rent covers payment). Borrowers with 740+ FICO and 30%+ down can qualify at 0.75x. Higher ratios (1.25x+) unlock better rates.
No. Zero personal income documentation required — no W-2s, tax returns, pay stubs, or employment verification. The property's rental income is the sole qualifying factor.
Yes. CMRE DSCR loans close in LLC, corporation, or trust names. Personal guarantee from managing member required.
Yes. CMRE has specific DSCR programs for STRs using actual platform income history or market rent projections. Min: 680 FICO, 25% down, 6 months reserves.
No. Unlike conventional (capped at 10), DSCR has no limit. CMRE works with investors holding 50+ financed properties.
Yes. CMRE DSCR cash-out refi up to 75% LTV. Common strategy: refi to pull equity, use proceeds as down payment for next acquisition.
DSCR rates are typically 0.5%-1.5% higher than conventional investment rates, reflecting reduced documentation requirements. Rates vary by DSCR ratio, credit score, LTV, and property type.
Yes. CMRE commercial DSCR covers 5+ unit multifamily, mixed-use, office, and industrial from $500K to $5M. Uses NOI instead of gross rent.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
