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North American Savings Bank (NASB) is a DSCR mortgage lender serving real estate investors who qualify based on property cash flow rather than personal income. Through investor‑focused non‑QM lending options, NASB helps qualified borrowers finance rental properties using the Debt Service Coverage Ratio (DSCR).1
Use 1099-NEC statement instead of tax documents
700 minimum credit score
Great option for self-employed borrowers
Answer a few easy questions to get your personalized recommendations and custom rate quote from one of our loan experts.
Choose from a residence to an investment property.
We offer loans for most occupational situations.
Knowing your credit score helps us match you with the right loan product.
Your down payment can affect your rate and monthly payments.
Sorry, we do not currently offer any investment property loans without a minimum 20% down payment.
Sorry, we do not currently offer any primary or secondary home loans without a minimum 10% down payment.
By knowing where you live, we can match you with your state's current mortgage regulations.
Just provide your information below and you'll be on your way to achieving your goals!
By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.
Yes—NASB’s DSCR loan is a Non-Qualified Mortgage (Non-QM) solution that evaluates borrowers using alternative methods beyond W-2s or tax returns. Generally, Non-QM loans like this offer flexibility for complex investor profiles.
NASB’s DSCR loan is ideal for real estate investors—including self-employed, 1099, and LLC borrowers—who want to qualify based on a property’s cash flow. It works best when rental income consistently covers expenses.
At NASB, a DSCR (Debt Service Coverage Ratio) loan allows investors to qualify for a mortgage based on the property’s rental income—not personal income. Generally, DSCR loans are a type of Non-QM mortgage tailored for real estate investors.
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