Merchants Mortgage & Trust for Alaska investors
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.
Alaska context
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism.
How Merchants Mortgage & Trust positions in Alaska
The Alaska lender pool for DSCR includes Merchants Mortgage & Trust among the active platforms. Alaska top metros (Anchorage, Fairbanks, Alaska) see meaningful Merchants Mortgage & Trust loan volume.
City-level coverage in Alaska
Merchants Mortgage & Trust provides DSCR coverage across Alaska metros including Anchorage, Fairbanks, and Alaska. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Merchants Mortgage & Trust program terms apply uniformly across Alaska metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Alaska property tax | 1.2% |
| Alaska state income tax | None |
Merchants Mortgage & Trust strengths in Alaska
- 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.
FAQ
Likely; verify direct Alaska coverage. Merchants Mortgage & Trust is based in an undisclosed location and operates in states not publicly disclosed.
Anchorage is the top investor market in Alaska and is generally within Merchants Mortgage & Trust states not publicly disclosed footprint. Anchorage property tax follows the Alaska state rate of 1.2 percent. Merchants Mortgage & Trust typically underwrites Anchorage acquisitions at standard rate sheets.
Yes. Fairbanks ranks among the larger Alaska investor metros and sees consistent DSCR loan volume from Merchants Mortgage & Trust. Submarket variation within Fairbanks matters for property selection.
Merchants Mortgage & Trust applies the same rate sheet across Alaska metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Anchorage, Fairbanks, and Alaska all qualify for the same Merchants Mortgage & Trust program.
Merchants Mortgage & Trust does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism. Merchants Mortgage & Trust follows standard business-purpose loan structures.
Merchants Mortgage & Trust funds rental DSCR in Alaska.
Alaska allows standard DSCR prepay structures; Merchants Mortgage & Trust typically uses 3-5 year step down.
Merchants Mortgage & Trust typical close: Not publicly published.
Bottom line
For Alaska DSCR borrowers, Merchants Mortgage & Trust is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Merchants Mortgage & Trust.