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DSCR at 0.75. Who can do this deal?
A
For DSCR below 1.0, your primary options are Acra Lending and New Silver. Both underwrite at 0.75 DSCR with LTV 70% or lower. A&D Mortgage has a No-Ratio DSCR option that removes the floor entirely. Angel Oak and UWM Investors Flex both require DSCR 1.0+. Verify AE availability and state eligibility before sending the file.
Acra Lending overlay | New Silver overlay | A&D Mortgage overlay

Pipeline Brief

Morning. 14 active files. $5.8M in pipeline.

Martinezrate lock expires Wednesday

Garciacompetitor inquiry flagged yesterday

Chenmoved to Clear to Close

Ask me anything about any of these files.

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Purpose-built for mortgage.
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Every agency rule. Cited by source.

Fannie Mae, Freddie Mac, FHA, VA, and USDA through 2026. Every answer includes the guideline name and section.

What is the 2026 FHA floor loan limit?
A

The 2026 FHA floor loan limit for a one-unit property is $541,287, set at 65% of the conforming baseline. High-cost ceiling is $1,249,125.

Mortgagee Letter 2025-23
TXTexas SDHCA

My First Texas Home

Amount $40K
Structure Forgivable (3yr)
MAMassHousing

ONE Mortgage

Amount $30K
Structure Deferred
FLFlorida HFC

FL HFA Preferred

Amount $10K
Structure 2nd mortgage 0%

Every state. Every program. Current terms.

All 50 state Housing Finance Agencies: income limits, structure, and assistance amounts, updated as programs change.

Know who can do the deal before you call.

200+ lenders with DSCR, bank statement, foreign national, and agency overlays.

DSCR at 0.75, 640 FICO, investment property.
Acra LendingDSCR down to 0.80 with reduced LTV.
New SilverFlexible below 1.0 DSCR.
Angel OakMinimum 1.0 DSCR, confirm AVM rental income.

Who needs your call. Before you ask.

Per-deal cards with the exact reason and one action to take today. Stall detection flags files stuck 7+ days.

Needs Attention

Martinez Rate lock expires in 3 days.

Watch Today

Patel Stale 28 days. Check in before the 30-day flag.

Moving Well

Chen In underwriting. On track.

Actively maintained. Not autonomously drifting.

Every query sharpens the knowledge base. Gaps get flagged, researched, and verified by a human before they ship.

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without touching a handbook.

Describe the scenario.

Type any borrower situation in plain language. Self-employed, DSCR, employment gap, non-warrantable condo. Aria reads the context.

Aria reasons through it.

Aria cross-references agency guidelines, 50-state DPA eligibility, and lender overlays specific to your state and scenario type.

You get a research answer.

A specific program, a specific lender to call, and exactly what to verify before you send the file. You make the call.

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