Lending Built for
Borrowers Who Don’t Fit the Box
Enrich Loans offers flexible Non-QM mortgage solutions for real estate investors, self-employed borrowers, and homeowners — including DSCR investor loans and HELOC home equity lines of credit.
Two Powerful Non-QM Solutions
Investor Loan
Qualify on your property’s cash flow — not your personal income. No W-2s, no tax returns, no DTI.
- No personal income verification required
- Qualify based on rental property cash flow
- SFR, multifamily, short-term & long-term rentals
- LLC & entity vesting available
- Interest-only options available
- Purchase, refinance, and cash-out eligible
Home Equity Line of Credit
Access up to $400K in home equity with interest-only payments — without touching your existing mortgage rate.
- $50,000 – $400,000 line of credit
- 3 or 5 year interest-only draw period
- 2nd lien — your first mortgage stays intact
- Primary, second home & investment property
- Streamlined full doc qualification (with bank statements coming soon)
- 100% initial draw at closing
- Interest-only payments during your draw period
From Application to Closing
Our streamlined process is built for speed and clarity — most loans close in as little as 30 days.
Apply Online
Complete your application in minutes. Choose your program — DSCR or HELOC.
Submit Documents
Full doc borrowers have a streamlined path to provide W-2s or tax returns. Self-employed and investors use bank statements or rent schedules.
Check Your Eligibility
We focus on what matters — property cash flow or equity — not traditional conventional metrics. Fast, clear decisions.
Close & Fund
Close with confidence and fund without delays.
Built for Your Financial Reality
If you’ve been told your income is “too complicated” or you don’t fit the conventional mold, Enrich Loans was built for you.
Real Estate Investor
Scaling a rental portfolio? Qualify on your property’s cash flow with no W-2, no DTI, and no limit on the number of investment properties you own.
Self-Employed / Business Owner
Your tax returns don’t tell the full story. Qualify using 12 or 24 months of bank statements — and access the available equity from your home.
Homeowner with Equity
You’ve built equity in your home. Tap it for renovations, debt consolidation*, or investment — without refinancing or losing your current mortgage rate.
Portfolio Builder
Use existing property equity to fund the next acquisition. Combine DSCR financing on new investment property purchases with a HELOC on other properties to scale efficiently.
High Earner, Complex Income
Commissions, K-1s, multiple revenue streams, or variable income? Non-QM underwriting looks at your real financial picture, not a traditional formula.
Short-Term Rental Operator
Airbnb and VRBO** properties qualify for DSCR financing. Leverage short-term rental income — not personal taxes — to grow your hospitality portfolio.
Our Footprint is Expanding
We’re proud to be offering DSCR and HELOC loans across the following states — supporting borrowers with reliable mortgage solutions wherever they’re searching for their next home or investment opportunity. Visit our licensing page for full details.
Questions Answered
Everything you need to know before getting started with a Non-QM mortgage solution.
Non-QM loans are designed for borrowers with non-traditional financial profiles — real estate investors, self-employed borrowers, business owners, contractors, and high-net-worth individuals with complex income. If a conventional lender has turned you down but you have strong cash flow or assets, we likely have a path for you.
A DSCR loan is for purchasing or refinancing investment properties — you qualify based on the property’s rental income, not your personal income. A HELOC is a line of credit against the equity in a property you already own, giving you revolving access to funds without refinancing your existing mortgage.
Not necessarily. DSCR loans require no personal income documentation — qualification is based entirely on property cash flow. HELOC borrowers can choose our Bank Statement (coming soon) path, using 12 or 24 months of bank statements instead of tax returns. Full doc is also available for those who prefer it.
Yes. Our DSCR loan program supports LLC and entity vesting, making it a tool for investors who want asset protection and portfolio separation***. This is one of the key advantages of DSCR financing over conventional investor loans.
No. Our HELOC is a standalone product placed in 2nd lien position. Your existing first mortgage — rate, payment, and terms — remains completely unchanged. You’re simply adding a separate credit line against your available equity.
The minimum FICO score varies by program. DSCR loans start at 700. Our HELOC program requires a minimum of 660 FICO. Higher scores (700+, 740+) unlock better LTV options and more favorable terms across both programs.
Disclaimers
** Enrich Loans is not affiliated with Airbnb or VRBO
*** Enrich Loans does not provide legal advice. You should seek advice from a professional