loan types
dscr investor loans
Maryland

DSCR Investor Loans in Maryland

Self-employed borrowers in Maryland qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans in Maryland provide self-employed borrowers and real estate investors with mortgage financing based on bank deposits rather than traditional income documentation.

These non-QM programs analyze cash flow patterns from personal or business bank statements to determine borrowing capacity, making them particularly valuable for entrepreneurs, contractors, and investors whose income fluctuates or comes from multiple sources.

Maryland borrowers can access these loans for primary residences, second homes, and investment properties, with underwriters evaluating deposit consistency and business cash flow to establish qualifying income. The programs accommodate various business structures and income types that conventional loans cannot easily verify through standard W-2 and tax return documentation.

theLender offers bank statement loans using either 12 or 24 months of personal or business bank statements for income verification.