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Underwriting · Internal Reference

DSCR & Non-QM Lending Guidelines.

The full underwriting framework for our DSCR Rental and Non-QM programs — covering product eligibility, borrower types, transaction structures, credit standards, reserves, appraisal protocol, and program matrices. Prepared for our in-house underwriting team and shared with capital partners under confidentiality.

DocumentAlpha Everest Capital — DSCR / Non-QM Lending Guidelines
VersionJune 12, 2026
Length14 pages
AudienceUnderwriting · Capital Partners (NDA)
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Contents

  1. Program Overview
  2. Product Types & Eligibility
  3. Borrower Eligibility
  4. Occupancy Eligibility
  1. Transaction Eligibility
  2. Credit Eligibility
  3. Income & Reserves
  4. Property & Appraisal
  1. Program Matrices
  2. Documentation & Closing
  3. Servicing & Compliance
  4. Appendix & Definitions

This document is provided for the in-house underwriting team and authorized capital partners only. All terms herein are subject to change by Alpha Everest Capital without prior notice. Nothing in this document constitutes an offer to lend, a commitment to lend, or a guarantee of specific loan terms. All loans are subject to credit approval, property review, and compliance with applicable federal and state law.