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DSCR Home Loan Program
This program helps real estate investors qualify for financing based on a property's rental income potential, instead of personal income, tax returns, or employment history.
DSCR Home Loan Program Highlights
No Personal Income or Employment Verification
Qualify Based on Property Cash Flow, Not Pay Stubs
Loan Amounts Up To $3 Million
Purchase, Rate/Term or Cash Out
Loan To Values Up To 80%
Credit Scores Down To 620
Non-QM Home Loans are not predatory subprime loans. They are legitimate, well-underwritten mortgage products offered by institutional lenders that allow alternative forms of income documentation, higher debt-to-income
Who Are Bank Statement Home Loans For?
Self-employed borrowers with strong cash flow but non-traditional documentation
Business Owners
Independent
Contractors
Freelancers
Real Estate
Agents
Eligible Property Types:
Single Family Residences
2-4 Unit
Condos
Townhomes
Eligible Occupancy Types:
Primary Residences
Second Homes
Key Benefits:
Higher qualifying income than traditional documentation may allow
Individuals with write-offs or variable monthly income
Competitive interest rates for creditworthy self-employed borrowers
How It Works:
Submit 12 consecutive months of business or personal bank statements
Income is calculated based on eligible deposits and standard expense factors
Credit score, assets, and property type are considered for loan terms
Why Choose Dan Keller for Bank Statement Home Loan Financing?
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Meet the Local Dan Keller Team
4.97★ · 500+ local reviews
Buying a home in Snohomish or King County comes with enough surprises. Your loan shouldn't be one of them. Dan Keller and his Everett-based team have helped local buyers close on time, even when the deal got complicated, with 535+ five-star reviews to show for it. Clients and agents say the same thing again and again: fast responses, clear answers, and someone who actually picks up the phone on a weekend if you need them.
This isn't a call center. It's a small team of underwriters, loan officers, and processors who live and work right here in Everett, and who treat every file like it's the only one on their desk.
Want to hear what others are saying? Read reviews of the Dan Keller team here
