Job Title

We are seeking a skilled DSCR Multifamily & SFR Underwriter to evaluate and assess investment property loans for both multifamily and single-family rental (SFR) portfolios. This role requires expertise in Debt-Service Coverage Ratio (DSCR) loan underwriting, including financial analysis, risk assessment, and market evaluation. The ideal candidate will have a strong background in real estate underwriting, investment property financing, and structured lending solutions. Responsibilities:Underwrite DSCR-based loans for multifamily properties, single-family rental (SFR) portfolios, and mixed-use propertiesAnalyze property income, expenses, net operating income (NOI), DSCR, loan-to-value (LTV) ratios, and borrower financials to determine risk.Assess rental market trends, occupancy rates, cap rates, and property appreciation potential.Review appraisals, rent rolls, lease agreement, property operating statements, credit reports, and borrower financial history.Ensure compliance with internal credit policies, investor guidelines, and regulatory requirements.Collaborate with loan officers, brokers, appraisers, and credit committees to facilitate efficient loan approvals.Prepare detailed credit memos and risk assessments for loan committee presentation.Structure loan terms, prepayment options, and interest reserves to optimize loan performance.Stay informed about real estate market trends, regulatory changes, and economic factors affecting DSCR lending.Assist in refining underwriting models, policies, and risk management frameworks. Preferred Qualifications: 3-5+ years of experience in DSCR loan underwriting, multifamily/SFR financing, or commercial real estate lending.Strong knowledge of investment property lending, DSCR calculations, and cash flow analysis.Proficiency in Excel, financial modeling, and real estate underwriting software.Experience with non-QM loans, private lending, and alternative financing structures is a plus.Familiarity with SFR portfolio lending, market comparables, and investment property valuation methods.Experience underwriting single-family rental (SFR) portfolios and multifamily properties.Knowledge of agency (Fannie Mae, Freddie Mac) and private lending guidelines.Certifications in real estate finance, underwriting, or credit risk management are a plus. LOCATION: Work from home. TIMINGS: IST 5:30pm to 2:30am SALARY RANGE: Best in Industry