Bank-statement vs. DSCR
Bank-statement files still qualify a person. Deposits become income; DTI still exists; owner-occupied consumer loans generally cannot have a prepayment penalty.
DSCR files qualify a property. Rent versus PITIA. Personal income may be ignored. Entity vesting and prepay schedules are common where the state treats the loan as business-purpose.
Pick the path from occupancy and documentation — not from a slogan.
Billy Robles NMLS #2751970 · E Mortgage Capital NMLS #1416824 · Equal Housing Lender