DSCR Jumbo & Super Jumbo Loans
Luxury Investment Properties Without Income Documentation
Pacific Rate — Powered by NEXA Lending
DSCR, Asset Depletion & Bank Statement Loan Evaluation Tool
This calculator evaluates whether a property qualifies under DSCR guidelines and, when it does not, identifies alternative Non-QM solutions such as Asset Depletion and Bank Statement loans. Pacific Rate uses this tool to structure jumbo and super-jumbo loans when traditional ratios fall short.
Complete tool for DSCR and Non-QM loan qualification analysis
1️⃣ Property & Transaction Details
2️⃣ Income Documentation
Most common: From appraisal 1007 rent schedule
Conservative lenders use 90%, most use 100%
3️⃣ Credit & Program Selection
Some lenders have vesting restrictions
Months of PITIA in liquid assets (most lenders require 6-12 months)
4️⃣ Monthly Expenses (PITIA)
Rate auto-adjusts based on FICO & program
Disclaimer: This calculator provides estimates only and does not constitute a loan commitment or approval. All loans are subject to credit approval and underwriting. Rates, terms, and programs vary by lender and borrower qualifications.
Pacific Rate — Powered by NEXA Mortgage | NMLS #329956 | Licensed Mortgage Lender
Frequently Asked Questions About This Calculator
What does this calculator evaluate?
This calculator evaluates DSCR eligibility and determines when alternative Non-QM mortgage options such as Asset Depletion or Bank Statement loans may be more effective.
Does this calculator approve or deny loans?
No. This calculator highlights financial pressure points so the correct loan structure can be selected before underwriting.
What happens if DSCR does not qualify?
When DSCR does not meet lender requirements, Pacific Rate evaluates Non-QM options that rely on assets or cash flow rather than rental income alone.
Who should use this calculator?
Real estate agents, investors, brokers, and high-net-worth buyers seeking jumbo and super-jumbo financing when traditional DSCR qualification is challenging.
Pacific Rate specializes in jumbo, DSCR, and Non-QM mortgage strategies when traditional qualification methods do not support high-value transactions.
Why Agents Partner with Pacific Rate
Ideal For
Serving California's Wealthiest Cities
Licensed Lender
NMLS #329956 - Powered by NEXA Lending
No Income Docs
No tax returns, W-2s, or pay stubs required
Fast Approval
Streamlined process for luxury properties
Get Your Buyer Pre-Approved
Fill out the form and we'll contact you within 24 hours
Ready to Get Started?
Homayoun (Tony) Kiani, NMLS #329956 | Pacific Rate
Empowered by NEXA Lending - A Division of NEXA Mortgage, LLC | NMLS #1660690
🏠 Equal Housing Lender | Licensed Mortgage Loan Originator