Lendmire Doubles Down on DSCR Loans as Investor Home Purchases Hit Five-Year High
Real estate investors purchased between 33% and 34% of all single-family homes sold in the United States in 2025, marking the highest investor share in five years, according to the Q2 and Q3 2025 BatchData Investor Pulse Reports. In light of this trend, Lendmire LLC, a non-QM mortgage brokerage based in Boone, North Carolina, has announced an expansion of its wholesale lender partnerships across both long-term and short-term rental debt-service-coverage ratio (DSCR) programs.
Lendmire's focus on DSCR loans reflects a broader shift in the U.S. mortgage market. Non-QM securitization volume reached a record high in 2025, with DSCR loans constituting about 30% of total non-QM activity, according to HousingWire. The Q4 2025 Home Investor Report by Cotality noted that investors purchased between 80,000 and 100,000 single-family homes per month in late 2025.
Brandon Miller, Founder and CEO of Lendmire, commented on the situation, stating, "Affordability constraints have shifted housing demand toward rentals, where demand remains structurally elevated, and individual investors — not Wall Street — are stepping in to provide rental housing supply. Small-scale investors owning between one and five properties hold 87% of the investor-owned single-family stock in the United States, while institutional investors with 1,000-plus properties account for just 2% and have been net sellers for six consecutive quarters." He emphasized that Lendmire was established with a focus on DSCR financing, anticipating that individual investor lending will define the next decade of residential mortgage finance.
Lendmire offers various qualification methodologies tailored to different property types, including revenue projections based on AirDNA data for short-term rentals, the 1007 rent schedule for long-term residential rentals, and commercial-style cash-flow analyses for small-balance multifamily properties. The company's business-purpose DSCR loans are available in 40 states and encompass loan structures for single-family rentals, short-term rentals, and small-balance multifamily investments.
Lendmire LLC is a non-QM mortgage brokerage specializing in DSCR loans for real estate investors. The firm provides business-purpose DSCR loans across 40 states, distinguishing itself as one of a select few independent mortgage brokerages focused specifically on DSCR financing. Lendmire supports multiple qualification approaches, including AirDNA, rent rolls, lease agreements, and program-specific appraisals, and boasts access to a comprehensive network of independent appraisers throughout the United States.