Non-QM / DSCR Lender Hub | 2026
Re-audited May 14, 2026 · Always confirm with AE
51 Lenders
⚠️ Key v2 Changes: A&D: DSCR min → 1.00, STR NOT allowed (Nov 2025) Kiavi: FICO corrected → 660 theLender NONI: 680 FICO (NearNONI 640) AHL STR: 700 FICO + 12 mo res + exp investors only Easy Street: min DSCR 0.80 Angel Oak: STR/C-O upgraded to 80% LTV
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✅ Re-Audited May 14, 2026 (v2): A&D DSCR min raised 0.75→1.00 + STR not allowed (Nov 2025 guideline update). Kiavi min FICO corrected to 660 (was 680). theLender NONI requires 680 FICO per Oct 2025 guidelines (NearNONI ~640). AHL STR requires 700 FICO + 12-mo reserves + experienced investors only. Easy Street min DSCR corrected to 0.80. Deephaven sub-1.0 DSCR (purchase-only) confirmed eligible. RCN card min DSCR corrected to 1.00 (680+ FICO tier; 1.15 at 660-679 per notes). Angel Oak STR + C/O upgraded to 80% LTV at 720 FICO.

Sources: A&D (admortgage.com NQM Updates + Guidelines PDF) · Acra (acralending.com v2.02.2026 matrix) · AHL (ahlend.com STR + FN articles) · Angel Oak (angeloakms.com) · Deephaven (deephavenmortgage.com matrix) · Defy (defymortgage.com May 2026) · Easy Street (easystreetcap.com + HonestCasa Apr 2026) · Kiavi (kiavi.com + HonestCasa Mar 2026) · RCN (rcncapital.com FAQ) · theLender (wholesale.thelender.com PDF Oct 2025). ✓ Web = verified from lender's own site. Team notes = AE-confirmed. Always confirm with AE — guidelines change without notice.
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