THE DSCR OPERATING SYSTEM
Run the Property Before You Run the Loan.
Tell us about the rental property, the financing you need, and your timeline. We’ll help identify the appropriate DSCR review team.
No hard credit pull to start
Business-purpose investment property only
Direct-lender review through NonQM123
One organized request. One clear next step.
More than a form
A cleaner starting point for a real DSCR review.
Start with the property basics and your financing goal. A specialist can confirm pricing, payments, property expenses, loan options, and qualifying DSCR after reviewing the details.
Property Context
State, ZIP, property type, units, estimated value, and rent when available.
Financing Goal
Purchase, refinance, cash-out, keep-first, bridge payoff, 1031, recovery, or portfolio growth.
Specialist Matching
Your property, financing goal, and role help identify an appropriate review team.
Your property review
One short form. The right DSCR team.
Provide the information needed to start your review. A specialist can then confirm the loan options, pricing, payment, expenses, reserves, and qualifying DSCR.
Loan Goal
Choose the transaction or issue that best describes the request.
Property Basics
Provide state, ZIP, type, units, and a useful value or loan estimate.
Financing Need
Add payoff, cash-out, or timeline only when relevant.
Contact + Consent
Tell the team how to reach you by telephone or email.
Right Review Path
Keep your property details together and see the recommended review team.
Specialist paths
One property can point to a different financing desk.
Choose the path that fits your financing goal, and keep the important property details together.
Standard DSCR
Purchase, refinance, or cash-out review through the NonQM123 DSCR Deal Desk.
Keep the First
Second-lien or equity review when the existing first mortgage should remain.
Bridge Exit
A permanent DSCR review for bridge or hard-money payoff scenarios.
Second Look
Recovery review for declined, stalled, appraisal, or closing problems.
How it works
Four short stages. No underwriting worksheet.
Choose the goal
Purchase, refinance, cash-out, keep-first, bridge, 1031, recovery, or portfolio.
Describe the property
State, ZIP, type, units, value, and rent when available.
Add the financing need
Requested loan, payoff, cash-out, or timing only when relevant.
Send the review
Add your contact details and permission to respond.
Frequently asked questions
Know what happens after you submit.
The short form starts a lender review. It does not issue a loan approval or personalized DSCR calculation.
Does RunMyDSCR pull my credit?
No. The preliminary property review does not perform a hard credit inquiry.
Will the form calculate my DSCR?
No. The Deal Desk confirms the qualifying payment, eligible rent, expenses, pricing, and DSCR after reviewing the scenario.
Is this a loan approval?
No. Submission starts a review and does not create an approval, commitment, rate lock, or guaranteed term.
Why does the destination change?
Your financing goal, property location, unit count, and role help identify the appropriate specialist.
Run the property before you run the loan.
Send the property basics and financing goal to the right DSCR review team.