🏰 No Income Documentation • Up to $10M+ • Cash Flow Based

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.

DSCR vs Non-QM Loan Calculator

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

DSCR programs up to $10M+
No tax returns or W-2s required
Qualify based on property cash flow
Competitive rates for FICO 680+
Fast pre-approvals and white-glove service
Trust, LLC, and entity ownership

Ideal For

Luxury investment purchases
Cash-flowing single-asset rentals
Domestic and international investors
Trust, LLC, and entity ownership

Serving California's Wealthiest Cities

Atherton
Beverly Hills
Hillsborough
Los Altos
Palo Alto
Malibu
San Marino
Hidden Hills
Rancho Santa Fe
Pacific Palisades
Portola Valley
Woodside
Monte Sereno
Saratoga
Menlo Park
Belvedere
Orinda
Danville
Los Altos Hills
Santa Monica

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

🏠 Pacific Home Appraiser

3-5 day turnaround • USPAP Certified

📞 (818) 880-1466Get a Free Quote →
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