Original research
Mortgage research
Methodology-driven studies we publish for the industry, every finding traceable to its method. Cite with attribution and a link.
2026 DSCR Lending Index: Requirements Across the Non-QM Market
Our 2026 DSCR lending index compiles published wholesale guidelines: credit floors, down payments, DSCR ratios, and prepayment norms. Full methodology included.
Read the study ›The Down Payment Tradeoff: What 3.5% vs 10% vs 20% Actually Costs
A modeled 2026 analysis: how down payment size changes monthly cost, mortgage insurance, and equity for FHA and conventional buyers. Full methodology and assumptions.
Read the study ›Questions about the findings?
A licensed loan officer can map any of these structures to your actual scenario.