Overview
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed.
Merchants Mortgage & Trust's headquarters and founding year are not publicly published. They operate in states not publicly disclosed and offer rental DSCR financing. Their loan amount range runs from — to —.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | states not publicly disclosed |
| Loan size | — – — |
| Interest rate range | Not publicly published — quoted per deal |
| Origination points | Not publicly published |
| Minimum credit score | 660 |
| Minimum DSCR | 0.75 |
| How to access | Direct |
| Max LTV | 80% of ARV |
| Max LTC | 80% of cost |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Ideal borrower
Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
How Merchants Mortgage & Trust compares
As an institutional non-QM lender, Merchants Mortgage & Trust's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Merchants Mortgage & Trust serves states not publicly disclosed, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Merchants Mortgage & Trust cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Merchants Mortgage & Trust FAQ
Merchants Mortgage & Trust serves states not publicly disclosed. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Merchants Mortgage & Trust does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
Merchants Mortgage & Trust's typical minimum loan is —, with maximum loan size up to —.
Merchants Mortgage & Trust's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
Merchants Mortgage & Trust offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Merchants Mortgage & Trust, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.