Lendmire expands DSCR lending network as investor homebuying surges

By AI, Created 5:25 PM UTC, May 21, 2026, /AGP/ – Lendmire LLC said it has broadened its wholesale lender partnerships for debt-service-coverage ratio loans as investors bought 33% to 34% of U.S. single-family homes in 2025, a five-year high. The move adds more DSCR options for rental investors at a time when non-QM lending and investor demand are both climbing.

Why it matters: - Investor demand for rental homes is at its strongest level in five years, increasing the need for financing designed around property cash flow instead of personal income. - Lendmire is positioning itself as a specialist broker for individual real estate investors as DSCR lending gains share inside the broader non-QM market. - The expansion gives investors more ways to finance long-term rentals, short-term rentals and small-balance multifamily properties.

What happened: - Lendmire LLC, a non-QM mortgage brokerage founded by Brandon Miller and headquartered in Boone, North Carolina, announced an expansion of its wholesale lender partnerships across long-term and short-term rental DSCR programs. - The company also launched a redesigned consumer website at lendmire.com. - Lendmire said the broader lender network adds more program structures, qualification approaches and pricing tiers across single-family rentals, short-term rentals and small-balance multifamily. - The firm said its business-purpose DSCR loans are available in 40 states. - Brandon Miller holds mortgage originator licenses in 16 states for consumer mortgage transactions.

The details: - BatchData Investor Pulse Reports for Q2 and Q3 2025 showed real estate investors bought between 33% and 34% of all single-family homes sold in the U.S. in 2025. - HousingWire reported that non-QM securitization volume reached a record high in 2025, with DSCR loans making up roughly 30% of total non-QM securitization activity. - National Mortgage Professional said non-QM loans rose from about 5.21% of all U.S. mortgages in July 2024 to 8.0% in July 2025, while investor and DSCR loans accounted for 28.7% of non-QM volume. - Cotality’s Q4 2025 Home Investor Report showed investors bought between 80,000 and 100,000 single-family homes per month in late 2025. - Cotality also said investors captured roughly 30% of all single-family home purchases in 2025, up from 29% in 2024. - Lendmire said it supports AirDNA-based revenue projections for short-term rentals, lease and rent-roll qualification, the 1007 rent schedule for long-term rentals, and commercial-style cash-flow analysis for small-balance multifamily. - Lendmire said it has access to one of the most comprehensive independent appraiser networks in the U.S. - Lendmire said it also accommodates smaller DSCR loan amounts that many lenders will not consider. - Miller said small-scale investors owning one to five properties hold 87% of investor-owned single-family stock in the U.S., while institutional investors with 1,000-plus properties account for 2% and have been net sellers for six consecutive quarters.

Between the lines: - The lender expansion suggests Lendmire sees demand shifting toward specialized broker channels that can match borrowers with narrower credit boxes and more tailored underwriting. - The emphasis on long-term and short-term rental DSCR loans points to a market where cash-flow underwriting is becoming more important than standard consumer mortgage qualification. - Miller said the next decade of residential mortgage finance will be defined by individual investor lending.

What’s next: - Lendmire said it will continue deepening its specialization in DSCR lending through its expanded wholesale network. - The company is likely to keep targeting investors buying rental properties across single-family, short-term rental and small multifamily segments. - More information is available at the company’s announcement.