Lendmire Focuses on DSCR Loans as Home Investor Purchases Soar to New Heights

Lendmire Expands DSCR Loan Offerings Amid Surge in Home Purchases

In 2025, real estate investors are estimated to have acquired approximately 33% to 34% of all single-family homes sold in the United States, representing the highest percentage of investor purchases in the past five years. This significant rise underscores a notable shift in the housing market, prompting Lendmire LLC, a non-QM mortgage brokerage based in Boone, North Carolina, to announce an expansion of its wholesale lender partnerships. The firm focuses on debt-service coverage ratio (DSCR) loans tailored for individual real estate investors.

Founded by Brandon Miller, Lendmire operates as a specialist in the rapidly evolving non-QM mortgage market. The company aims to support investors looking for reliable funding options. According to the Q2 and Q3 2025 BatchData Investor Pulse Reports, the surge in home purchases by investors correlates with the record high in non-QM securitization activity, where DSCR loans accounted for approximately 30% of total non-QM transactions.

Brandon Miller noted, "Affordability constraints have shifted housing demand toward rentals, where demand remains robust. Individual investors, as opposed to large institutional entities, are stepping up to fill the rental housing gap. Notably, small-scale investors, those owning between one and five properties, control a staggering 87% of the investor-owned single-family housing stock in the U.S. This shift highlights a crucial aspect of the current real estate landscape."

The rise of individual investors signifies a transition towards a market dominated by smaller stakeholders. While large institutional investors with extensive portfolios of over 1,000 properties only account for about 2% of such holdings, they have shown a trend towards selling off assets in recent terms. In light of these developments, Lendmire positions itself strategically within this market framework, believing that the next decade in residential mortgage finance will be defined primarily by individual investment lending.

As a response to the changing landscape, Lendmire has developed its offerings to include various DSCR loans – both for long-term rentals and short-term rental programs, such as those listed on platforms like Airbnb and VRBO. The firm utilizes multiple qualification methodologies tailored to the specific rental property type, thereby enhancing application flexibility. These methodologies include revenue projections based on AirDNA for short-term rentals and the full 1007 rent schedule for long-term residential units. Furthermore, commercial-style cash-flow analyses are employed for small-balance multifamily investments, showcasing Lendmire's commitment to diversifying their service offerings.

Currently, Lendmire's business-purpose DSCR loans are available across 40 states, which includes funding options for single-family rentals, Airbnb properties, and small multifamily investments. This broad geographic reach helps investors in various markets secure funding that aligns with their specific investment strategies.

Lendmire’s distinct focus on DSCR loan specialization sets it apart from several other mortgage brokerages that offer a wide range of financial products. This focused approach is aimed at providing tailored financing solutions that meet the unique needs of individual real estate investors. By concentrating solely on DSCR financing, Lendmire has positioned itself among a select group of independent mortgage brokerages that cater specifically to this niche, ensuring a high level of service and expertise for clients.

As the market landscape continues to evolve, Lendmire remains committed to supporting real estate investors with innovative financing options, maintaining its reputation as a go-to source for DSCR loans. For more information on Lendmire and their offerings, prospective investors can visit lendmire.com.

Founded by Brandon Miller, who holds mortgage originator licenses in 16 states for consumer mortgage transactions, Lendmire is recognized for its focus on providing accessible financing solutions to real estate investors. As the demand for rental properties grows, Lendmire’s strategic emphasis on DSCR loans could play a significant role in shaping the future of residential mortgage financing in the United States.

Disclaimer: Lendmire LLC (NMLS# 2371349) is a licensed mortgage broker. DSCR loans are only for investment properties and not applicable for primary residences. For specific eligibility, it's advisable to consult with a qualified professional.