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Tag: DSCR

1 article tagged “DSCR”
Mortgage

Underwriting DSCR Investor Loans with AI: The Business-Purpose Determination That Keeps the Loan Out of Ability-to-Repay

A DSCR loan lives or dies on one classification the underwriter makes before touching the ratio: is this credit primarily for a business purpose, and therefore outside Regulation Z's ability-to-repay rule, or not. Get it wrong and a loan you priced as exempt is now a consumer mortgage with no ATR determination behind it. How we build an agent that computes the coverage ratio and, more important, documents the business-purpose call under 12 CFR 1026.3(a) so an investor and an examiner can both follow it.

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