DSCR loans are the fastest-growing segment in investment property lending. Qualification is based on what the property earns, not what the borrower earns on a W-2. Cloud Nimbus now has a full DSCR mortgage processing platform — from calculator to close — live and ready for lenders, brokers, and property investors.
What is DSCR lending?
Debt Service Coverage Ratio (DSCR) loans are a category of mortgage designed for investment properties. Instead of qualifying the borrower based on personal income, pay stubs, and tax returns, a DSCR loan qualifies based on the property's ability to generate enough rental income to cover its debt payments.
The formula is straightforward: divide the property's gross monthly rental income by the total monthly debt obligation (principal + interest + taxes + insurance + HOA). A ratio of 1.0 means the property breaks even. Most lenders require a DSCR between 1.0 and 1.25 to qualify.
This matters because it unlocks financing for a massive segment of borrowers that traditional lending misses: self-employed investors, LLC-held portfolios, borrowers with complex tax structures, and anyone who would rather qualify on the deal than on their personal financials. DSCR lending has grown rapidly since 2020 and shows no sign of slowing down.
What we built
The platform covers the full DSCR loan lifecycle — from initial qualification through post-close tracking. Here is every working piece:
How it works
The entire flow is designed to minimize manual data entry and keep every party informed at every stage:
Enter property address, borrower info, loan terms, and estimated rental income. The system generates a unique borrower application link.
Branded email with a secure link to the digital application. One link per borrower, per loan. The lender gets a separate tracking link.
Property details, rental income projections, entity information, employment, assets. DSCR auto-calculates from the inputs in real time.
The system calculates monthly debt service from the loan terms and compares against projected rental income. Instant qualification status with the exact ratio.
Appraisal, title, insurance, tax returns, bank statements, entity docs — all uploaded through the portal with status tracking per document type.
Lender reviews the full package: application data, DSCR ratio, documents, property details. Approve, request conditions, or decline — all tracked with audit trail.
Closing documents signed electronically by all parties. ESIGN Act compliant with drawn signatures, IP capture, and cryptographic hash chain.
Loan moves through Conditional Approval, Clear to Close, Closing, and Funding stages. TRID timelines auto-calculated. Nothing falls through the cracks.
One click syncs the entire loan record to Delivery Hub in your Salesforce org — documents, signatures, timeline, revenue data, all of it.
Revenue booked, compliance checklist finalized, loan archived with full audit trail. Ready for portfolio reporting.
Built on Delivery Hub
This is not a standalone mortgage app. It runs on the same Delivery Hub platform that powers tenant screening, software delivery, IT helpdesks, change management, HR onboarding, and seven other workflow types. DSCR mortgage processing is the newest vertical — the Loan Approval workflow type that already existed in Delivery Hub now has a full web-based front end for DSCR-specific lending.
Delivery Hub is free, open source, and Salesforce-native. 225 Apex classes, 68 Lightning Web Components, 35 custom objects, a document generation engine, a native e-signature flow, and a multi-source automation pipeline. The DSCR mortgage platform layers on top of all of that — the document tracking uses the same document engine, the e-signature uses the same signing flow, and the Salesforce sync uses the same cross-org replication that powers every other Delivery Hub workflow.
That means a lender using this platform gets the entire Delivery Hub feature set for free — Gantt charts, Kanban boards, time tracking, invoicing, automation pipelines, client portal access — as part of the same Salesforce package.
Try the calculator
The DSCR calculator is live and requires no account. Enter a property's rental income, purchase price, interest rate, taxes, insurance, and HOA — and get an instant DSCR ratio with qualification status:
→ cloudnimbusllc.com/dscr-mortgage/calculator
If you are a lender or broker ready to process a loan:
→ cloudnimbusllc.com/dscr-mortgage/request
If you want to learn more about the full service offering:
→ cloudnimbusllc.com/services/dscr-mortgage
What's next
DSCR mortgage processing is live, but the roadmap is bigger than one product vertical:
- Property management distribution — property managers with portfolios of investment properties are natural referral sources for DSCR loans. The screening service already reaches this audience; mortgage is the next product they need.
- Background screening integration — Checkr-powered borrower screening for identity verification and fraud prevention, using the same screening infrastructure that powers tenant screening.
- QuickBooks revenue tracking — origination fees and processing revenue automatically synced to QuickBooks for real-time P&L tracking per loan.
- Broader mortgage product support — the platform architecture supports any loan type, not just DSCR. Conventional, FHA, bridge, and construction loans all fit the same 10-stage workflow with different qualification criteria.
- More service verticals going live — every Delivery Hub workflow type can become a productized service on Cloud Nimbus. Tenant screening launched last week. DSCR mortgage launched today. The pattern is repeatable.
Built in Miami Beach. Powered by Delivery Hub + Claude Code + Stripe. The DSCR mortgage platform is the second revenue vertical on Cloud Nimbus — after tenant screening — and it runs on the same free, open-source Salesforce platform that powers everything else. One platform, many services, zero per-seat fees.
Want to talk strategy?
One-hour video call with Glen Bradford. DSCR lending operations, Salesforce architecture, Delivery Hub implementation, mortgage platform customization, or whatever you need. Scheduled within 5 business days of purchase.
Book a Meeting — $1,000Powered by Stripe. Secure checkout. Receipt emailed immediately.
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