DSCR, Non-QM & Hard Money Loans | American Prime Rate
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NMLS# 2421810
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Investor & Self-Employed Loans, Matched to Your Deal
Licensed mortgage professionals

DSCR, Non-QM & Hard Money Loans Equity. Property. Purpose. Timeline. Tell us your deal, and we'll tell you what fits.

The right loan starts with the right questions. Work one-on-one with a licensed loan expert who reviews your deal, compares DSCR, Non-QM, and hard money options, and gives you a straight answer on what fits.

Match My Deal to a Loan Call a Loan Expert: (866) 569-2877

Takes about a minute · No obligation

Licensed loan experts One-on-one guidance NMLS# 2421810
Investor & self-employed loans

Built for deals that don't fit a conventional box.

Each program qualifies on something different. Pick the one that matches how your deal works.

D

DSCR Loans

For rental & investment properties

Qualifies on LTV and the property's rental cash flow, not your personal income. No tax returns or W-2s for income.

See DSCR requirements → NQ

Non-QM Loans

For self-employed & business owners

Qualifies with bank statements, a P&L, or 1099s instead of tax returns, built for income that doesn't fit a W-2.

See Non-QM documentation → HM

Hard Money Loans

For time-sensitive, business-purpose deals

Qualifies on property equity, exit strategy, and timeline. Asset-based bridge financing when speed matters.

See hard money terms →

Not sure which fits? Tell us your deal or call (866) 569-2877, and we'll point you to the right one.

How it works

Tell us the deal. Get a straight answer.

  1. Share your scenarioProperty type, loan amount, equity, purpose, and timeline.
  2. We review and compareA licensed loan expert matches your deal against DSCR, Non-QM, hard money, and conventional options.
  3. Get a clear answerWhat fits, what doesn't, and what documentation you'll need before you apply.

One expert. Your deal. A straight answer.

You work directly with a licensed loan expert from first conversation through closing, not a call center.

9+Loan programs
1:1Licensed experts
CALicensed professionals
3Investor loan paths
Homeowner loans

Buying, refinancing, or tapping equity?

We also compare traditional home loan options side by side, so you can see the tradeoffs before you commit.

P

Purchase

Get prepared and buy your next home with a clear picture of payment, rate, and fees.
R

Refinance

Lower your payment, change your term, or put your equity to work.
$

Reverse mortgage

Eligible homeowners 62+ can explore flexible options for accessing equity.
C

Conventional

Fixed and adjustable-rate options for primary homes and second homes.
FV

FHA & VA

Low-down-payment options and benefits for eligible veterans.
H

HELOCs

Access your home's equity with a flexible line of credit.

Have a deal in front of you?

Tell us the property, the loan amount, and your timeline. A licensed loan expert will tell you what fits, with no obligation.

Match My Deal to a Loan Call (866) 569-2877