Most DSCR and Non-QM files close in 3–5 weeks. Here's exactly what happens, and when.
Tell us about the property and your goals. We match you to a program and give you a real rate range — no hard credit pull required at this stage.
Upload the documents for your program (see the checklist). Your loan officer reviews everything and flags anything missing right away.
We order the appraisal, verify documentation and submit your file to underwriting in-house — as a direct lender, there's no broker hand-off slowing things down.
Final conditions are cleared, closing documents go out, and you sign — in person or with a mobile notary. Funds disburse per your program's timeline.