Pwr TPO

DSCR isn't a niche product anymore and the data proves it. 📊

Here's what 2025 showed us:

📌 Investors bought 33–34% of all U.S. single-family homes sold in Q2 & Q3 2025, the highest investor share in 5+ years

📌 96% of investment properties are owned by small investors with 1–10 properties. Average investor owns just 3. (That's your client.)

📌 Non-QM securitization hit record levels in 2025. DSCR = ~30% of all non-QM volume

📌 DSCR securitization grew 48.5% year-over-year in Q1 2025

The secondary market has validated this product. Institutional capital is chasing it.

Your investor clients need it. We built the programs to close it.

Read more on PWR Wire 👉 https://www.pwrtpo.com/blog

DSCR lending explained and why it's one of the most important tools in your broker toolkit right now.

DSCR stands for Debt Service Coverage Ratio. The formula is simple:

Gross Monthly Rental Income ÷ PITIA (principal, interest, taxes, insurance, HOA) = DSCR

A ratio of 1.0 means the property breaks even. Above 1.0 means positive cash flow. That number, not your client's W-2, not their adjusted gross income, not their employment history 👉 is how the loan qualifies.

Here's who this product is built for:

✅ The investor whose tax strategy suppresses their reported income
✅ The portfolio builder who's hit the Fannie Mae 10-property limit
✅ The short-term rental operator without traditional lease agreements
✅ The first-time investor who's strong financially but doesn't have rental history

🚫 What DSCR is not- it isn't a bridge loan, a hard money product, or a short-term workaround. It's permanent, long-term financing built for investors who want to own rental properties as a wealth-building strategy.

Your clients are building portfolios. We built the programs to help you close those deals.

Read more on PWR Wire 👉 https://www.pwrtpo.com/blog

Contact your AE to discuss current program guidelines.

Have you had an investor client who couldn't qualify for another property, not because they couldn't afford it, but because their income documentation didn't fit the conventional box?

That's not a deal left on the table. That's a DSCR deal."

What qualifies a DSCR loan? The property. Not the borrower's employment history or personal income.

If the rental income covers the debt, the deal has a path forward. PwrTPO's DSCR program keeps it simple for investors who are tired of jumping through hoops. We have the people, the process, and the Non-QM expertise to help you close more investor loans.
Single-family rentals. Multi-unit properties. Short-term rentals. Portfolio investors beyond the conventional limit.

Full breakdown on the PWR Wire: https://www.pwrtpo.com/blog

Contact your PwrTPO Account Executive or visit pwrtpo.com to learn more.

A quick one for our military families and the mortgage professionals who serve them. 🎖️

Did you know VA allows an active-duty service member to purchase their retirement home UP TO 12 MONTHS before they officially retire?

The rule is in VA Pamphlet 26-7- the official VA Lender's Handbook. The key requirements:

📌 A specific, firm retirement date (not "sometime soon")
📌 A verified, documented application for retirement already submitted

That's it! With those two things in place, your veteran can buy now and settle in before the transition is complete.

So many service members want to establish roots before they leave active duty. VA built this provision into the handbook to make that possible.

Know a transitioning veteran? Share this. 👇
👉 Full breakdown on the PWR Wire- plus FHA and USDA scenarios too: https://www.pwrtpo.com/blog

Here's something a lot of homebuyers and even some loan officers don't know about
FHA loans. 👇

If you're on maternity leave, paternity leave, or taking time off to care for a sick family member, you don't automatically lose your ability to qualify.

FHA's handbook (HUD 4000.1) specifically addresses temporary leave situations. As long as you can show:

✔️ You intend to return to work
✔️ Your employer confirms your right to return
✔️ You'll be back on the job by the time your first mortgage payment is due

…your lender can use your pre-leave income to qualify you. The income you were earning before the leave counts, even if you're not actively receiving it right now.

This matters for families who are navigating a life transition and want to buy a home at the same time. The rules have flexibility built in. You just need a lender who knows how to use it.

👉 Read our full government lending blog on the PWR Wire: https://www.pwrtpo.com/blog