DSCR Mortgage Loan Processing
End-to-end DSCR mortgage workflow — from borrower application to post-close investor delivery. Document collection, e-signatures, underwriting, compliance tracking, and revenue analytics. All inside Salesforce.
The problem
DSCR lenders — bridge shops, private money originators, non-QM desks — process loans where the property's income qualifies the borrower, not their W-2. That means rent rolls, entity docs, and property-level underwriting that generic LOS platforms don't handle well.
Most DSCR shops duct-tape together a CRM, a spreadsheet for document tracking, a separate e-sign tool, and a compliance checklist in Google Docs. Underwriting decisions happen in Slack threads that nobody can audit. TRID timelines are tracked on calendar reminders.
You need a workflow engine that understands DSCR-specific stages — from pre-qualification and rent-roll analysis through conditional approval and post-close investor delivery — and keeps the entire file in one place inside Salesforce. That's what this is.
10 Stages from Application to Post-Close
Purpose-built for DSCR mortgage origination. Every stage captures the handoffs that actually happen — from borrower intake through investor delivery.
Loan Application
Borrower → Processor
Borrower submits DSCR loan application with property and financial details
Pre-Qualification
Processor
Initial DSCR calculation and eligibility check based on property income
Document Collection
Borrower → Processor
12+ document types: bank statements, tax returns, rent rolls, entity docs
Underwriting Review
Underwriter
Full income analysis, property valuation review, risk assessment
Property Appraisal
Appraiser → Underwriter
Third-party appraisal ordered, reviewed against loan terms
Conditional Approval
Underwriter → Admin
Approval with conditions: additional docs, insurance requirements
Title & Insurance
Processor
Title search, insurance binder, clear-to-close preparation
Closing Preparation
Processor → Closer
Final document package: promissory note, deed of trust, closing disclosure
Closing & Funding
Closer → Admin
E-signatures captured, wire instructions confirmed, funds disbursed
Post-Close
Admin
Loan boarded to servicer, investor delivery, file archived
4 Persona Views
Same loan data, four completely different dashboards. Each persona sees only what they need to move the file forward.
Borrower / Entity
Loan applicant or investment entity
- Application status and current stage
- Outstanding document requests with upload links
- DSCR qualification status and ratio
- Closing timeline and key dates
- Communication thread with processor
Loan Processor
Manages the loan file from intake to close
- Pipeline of active loans by stage
- Document collection dashboard per loan
- Automated document checklist tracking
- Closing preparation queue
- SLA alerts for stale files
Underwriter
Reviews risk and approves loans
- Underwriting queue with DSCR ratios
- Income and expense analysis tools
- Conditional approval workflow
- Exception tracking and override authority
- Portfolio risk metrics
Compliance / Admin
Oversees regulatory compliance and portfolio
- TRID timeline compliance dashboard
- State-by-state regulatory checklist
- Audit log for all loan actions
- Revenue and profitability analytics
- Post-close investor delivery tracking
What you get
Interactive DSCR calculator
Rate sensitivity analysis with real-time DSCR ratio calculation. Borrowers can model scenarios before they apply.
Digital loan application
Online application with auto-qualification. Borrowers submit property and financial details, system calculates DSCR instantly.
12+ document type checklist
Bank statements, tax returns, rent rolls, entity docs, insurance, appraisals — each with status tracking and upload links.
Multi-party e-signatures
ESIGN Act compliant digital signatures. Promissory notes, deeds of trust, and closing disclosures signed without printing a page.
10-stage workflow pipeline
Drag-and-drop loan progression from application to post-close. Every stage transition logged with timestamp and user.
Compliance center
TRID timeline tracking, state-by-state regulatory checklists, and audit logs for every action on every loan.
Revenue analytics
Profitability by loan tier, origination volume trends, and pipeline forecasting. Know your numbers without exporting to Excel.
Push-to-Delivery Hub
Full Salesforce integration. Loan records, documents, and workflows sync to Delivery Hub for cross-org visibility.
Slack notifications
Stage transitions, SLA breaches, document uploads, and closing milestones pushed to your team's Slack channels in real time.
Full audit trail
IP address, timestamp, and consent tracking on every action. Built for compliance reviews and investor due diligence.
Process DSCR Loans Without the Duct Tape
Try the DSCR calculator, see the 10-stage pipeline in action, and find out how your team can close loans faster with everything in one place.