The tighter box, and it prices like it. A ratio of 1.10x and above on a clean credit profile moves the file out of Non-QM pricing and onto a prime thirty-year fixed.
Worth running every DSCR scenario against both boxes before you quote. The difference on a strong file is not small.
Program highlights
Figures are the programme maximum at a glance. A file rarely qualifies at the maximum on two axes at once, and the guideline in force on the lock date governs. Nothing here is a commitment to lend.
Questions
A 1.10x floor instead of 0.75x, a 700 score instead of 660, and a fixed-rate structure. In exchange the file leaves Non-QM pricing. Run every strong DSCR scenario against both.
No — it moves to standard DSCR and re-prices. The desk will tell you what that costs before you re-disclose.
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