As one of the Top 5 Wholesale Lenders in the nation, Mega Capital Funding continues to redefine what it means to be a trusted partner for investors and mortgage professionals. In today’s evolving market, Mega Capital stands at the forefront of Non-QM innovation, offering flexible and competitive programs that empower brokers to grow their business with confidence.
Among our most powerful tools for investors is the DSCR (Debt Service Coverage Ratio) Loan Program — a game-changer for those seeking to build wealth through real estate without the constraints of traditional income documentation.
Why Brokers and Investors Choose Mega Capital for DSCR
Mega Capital’s DSCR program is designed with today’s investors in mind — balancing flexibility, simplicity, and accessibility to help you close more loans faster.
Here’s why our DSCR loans are setting a new standard:
✅ Only 3 Months PITIA Reserves Required – For loan amounts ≤ $500,000, borrowers only need 3 months of reserves, freeing up capital for additional investments.
✅ First-Time Investors Welcome – New to real estate investing? No problem. We make it easy for first-time investors to qualify and start building their portfolio.
✅ Loan Amounts from $150,000 to $2,000,000 – Perfect for both small and large investment properties.
✅ Minimum FICO 660 – Credit-friendly underwriting that opens the door for more borrowers.
✅ License-Free Origination in Most States – Offer DSCR loans without the need for a state license in most markets — ideal for growing your reach quickly.
✅ Unlimited Cash-Out up to 60% LTV – Unlock equity with no cap when loan-to-value is 60% or less, giving investors ultimate liquidity and flexibility.
Simplified, Streamlined, and Strategic
At Mega Capital, we understand that speed and simplicity are key to success in the investment lending space. Our DSCR program is built for fast approvals, competitive pricing, and flexible guidelines that help brokers and investors close more deals in less time.
When you partner with Mega Capital, you gain access to:
- Industry-leading Non-QM expertise
- Responsive support from seasoned account executives
- Cutting-edge technology through our MGenius portal
- Programs available in 40+ states nationwide
Partner with a Proven Lender
For over 25 years, Mega Capital has been a trusted name in mortgage lending — and being recognized as one of the Top 5 Wholesale Lenders in the nation is a testament to our commitment to excellence, integrity, and innovation.
We’re proud to help our partners expand their Non-QM business with programs like DSCR that deliver real results.
📍 Ready to grow your DSCR business?
Visit www.mgcfunding.com or log in to your MGenius portal to submit your next loan today.
