Worked Example — Non-QM DSCR Purchase

Non-QM DSCR purchase for a $2,000,000 rental property in Beverly Hills, CA. Qualifies on rental income potential rather than personal income or tax returns.

What is a DSCR Loan?
DSCR = Gross Rental Income ÷ PITIA. A DSCR ≥ 1.0 means the property cash-flows. At 50% LTV ($1M/$2M), strong investment profile.

Scenario Parameters

Parameter	Value
Loan Type	Non-QM
Non-QM Program	DSCR
Home Value	$2,000,000
Loan Amount	$1,000,000
LTV	50%
Occupancy	Investment / Rental
ZIP Code	90210 (Beverly Hills, CA)

Request Payload

loan_type: "nonqm" and nonqm_program: "dscr" are both required. Set occupancy: "investment" for rental properties.

POST https://api.bankingbridge.com/rateflow
Content-Type: application/json
x-api-key: uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX

{
  "loid": 75,
  "loan_purpose": "purchase",
  "loan_type": "nonqm",
  "nonqm_program": "dscr",
  "list_price": 2000000,
  "loan_amount": 1000000,
  "zipcode": "90210",
  "property_type": "single_family_home",
  "occupancy": "investment"
}

cURL Example

curl -X POST "https://api.bankingbridge.com/rateflow" \
  -H "x-api-key: uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX" \
  -H "Content-Type: application/json" \
  -d '{
    "loid": 75,
    "loan_purpose": "purchase",
    "loan_type": "nonqm",
    "nonqm_program": "dscr",
    "list_price": 2000000,
    "loan_amount": 1000000,
    "zipcode": "90210",
    "property_type": "single_family_home",
    "occupancy": "investment"
  }'

JavaScript (fetch) Example

const response = await fetch("https://api.bankingbridge.com/rateflow", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "x-api-key": "uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX"
  },
  body: JSON.stringify({
    loid: 75,
    loan_purpose: "purchase",
    loan_type: "nonqm",
    nonqm_program: "dscr",
    list_price: 2000000,
    loan_amount: 1000000,
    zipcode: "90210",
    property_type: "single_family_home",
    occupancy: "investment"
  })
});

Python (requests) Example

import requests
headers = {
  "Content-Type": "application/json",
  "x-api-key": "uL6aLuwfcq1dUvEZTq3Gv2O0KgorNbYXXXXXXXX"
}
data = requests.post(
  "https://api.bankingbridge.com/rateflow",
  json={
    "loid": 75,
    "loan_purpose": "purchase",
    "loan_type": "nonqm",
    "nonqm_program": "dscr",
    "list_price": 2000000,
    "loan_amount": 1000000,
    "zipcode": "90210",
    "property_type": "single_family_home",
    "occupancy": "investment"
  },
  headers=headers
).json()

Sample Response Structure

Includes ARM-specific fields: dscr_ratio, prepay_penalty, io_option.

{
  "returncode": 0,
  "pricing_results": [
    {
      "rate": 7.500,
      "dscr_ratio": 1.25,
      "prepay_penalty": "5/4/3/2/1",
      "io_option": false
    },
    {
      "rate": 7.375,
      "points": 1.00,
      "dscr_ratio": 1.25,
      "prepay_penalty": "3/2/1",
      "io_option": true
    }
  ]
}

DSCR Fields:

• dscr_ratio: Minimum DSCR required. 1.25 = property must generate 25% more income than debt.
• prepay_penalty: Step-down schedule (e.g., "5/4/3/2/1"). Always disclose to borrower.
• io_option: true = interest-only period available, lowering initial payment.