How LOs Can Win with Non-QM Lending in 2026, DSCR Growth, Fraud, with Paul Sushereba w MLB Wholesale скачать в хорошем качестве

How LOs Can Win with Non-QM Lending in 2026, DSCR Growth, Fraud, with Paul Sushereba w MLB Wholesale

Today on the show, Skip talks with Paul Sushereba (MLB Wholesale/Retail non-QM lead; mortgage since 2010, based in Dayton, OH) about what non-QM is and where it’s headed. Paul explains non-QM’s two main lanes: DSCR business-purpose investor loans and alt-doc options for self-employed/complex income (bank statements, P&L, 1099). He stresses non-QM is not subprime and often features strong borrowers. Trends include expanding offerings, more secondary-market interest, and growing pains: geographic lending limits and fraud in markets like Philadelphia, Baltimore City, Indianapolis, and caution in Memphis (occupancy and appraisal/cash-out issues). Advice for LOs: lean on a knowledgeable AE, use lender matrices, and default investors to DSCR; non-QM can also price well for second homes. Paul highlights MLB’s mix-and-match income and asset utilization (36-month depletion) programs. Episode ends with Paul’s triathlon background and MLB contact options, including a 7am–7pm ET non-QM hotline at mlbwholesale.com. Episode Highlights: 00:00 Welcome & Meet Paul Ariba (Ohio vs. Jersey) 00:48 Paul’s Mortgage Background & Non-QM Role at MLB 01:50 Non-QM 101: DSCR + Alt-Income (and why it’s not subprime) 03:07 What’s Changing in Non-QM: Growth, Data, and New Opportunities 03:51 DSCR Growing Pains: Geo Restrictions, Occupancy & Appraisal Fraud 06:00 How LOs Can Start Winning with Non-QM (Guidelines, Gray Areas, Matrices) 08:12 Best-Fit Scenarios: DSCR, Second Homes, and Self-Employed Borrowers 10:19 MLB Program Spotlight: Mix & Match Income + Asset Utilization 12:38 Staying Ahead: Rapid Guideline Changes, Regulation, and Reading the Matrix 14:48 Fraud Reality Check: Private Securitization, AI Risks, and Industry Pushback 17:36 Off-Topic Fun: Paul the Triathlete—Training, Racing, and Life Balance 19:01 How to Reach Paul & Wrap-Up