Rocket Pro’s addition of these investor loans confirms non-QM lenders' confidence
Non-QM lenders have been touting the growth of debt service coverage ratio (DSCR) loans as a major part of their growing market share.
In fact, the non-QM space believes 2026 will be an even bigger year thanks to DSCR loans. There could be no greater sign of that than what was announced earlier this week by one of the industry's major lenders.
Rocket Pro, the broker-facing segment of Rocket’s mortgage operation, announced it was adding a DSCR loan product to its portfolio earlier this week.
Dan Sogorka (pictured top), general manager of Rocket Pro, said broker and partner demand led the Detroit-based company to bring the investor loan type to its brand.
“The investors have become a pretty large part of the housing market,” Sogorka told Mortgage Professional America. “So we definitely wanted to get into that space for that reason. The other main reason was that our partners have really been asking us for this product.”
Combined with technology
Sogorka believed Rocket had three advantages in the DSCR space. One is the ability for brokers to use the company’s built-in technology, just as they would with other loan types, rather than going to another lender for a product that might not be as familiar to them. The second was a transparent fee structure rather than the added-on fees other providers charge for DSCR loans.
The third was the ability to use AI-driven technology not only to educate brokers on how to best use DSCR loans, but also on when to use them.
“That's one of the biggest things that I'm really loving about our Navigate AI platform, is we can really help our partners self-serve and grow their business,” he said. “We can literally be at the point of sale, where we connect with them, in our portal, in our messaging and our platform, and basically say, ‘Hey, we see you're great at conventional purchase. But have you looked into DSCR? Have you looked into these other products?’
“Frankly, when you think about our mix of partners, some of them are huge, sophisticated businesses. A lot of them are mom-and-pop shops, so if they do two loans a month and we can take that to four. That's impactful for them, and, across our whole platform, it's impactful for us.”
DSCR and AI are growing
Ben Fertig, president of Constructive Capital, discussed the continuing growth of DSCR loans with Mortgage Professional America. He believes liquidity will remain strong in the investor space in 2026, opening the door to a range of investor loan types.
The reason DSCR is primed for another big year is because of the elevated mortgage rates over the past couple of years. Even if current rates plateau, there is still room for investors to move forward due to market liquidity.
“You’ll see some more organic opportunity in DSCR if rates do come down now,” Fertig said. “We’ve had three years of a lot of paper being printed, between 7% and 8.5%. You could potentially see an organic rate-term refi market, paying off existing DSCR loans.
“But it's not going to need lower interest rates to grow. It could certainly help it, but I think that the market, in terms of the liquidity landscape, in terms of borrower demand, in terms of where the originators are at, is going to be in a good place.”
JD Power’s 2025 US Mortgage Origination Satisfaction Study highlights brokers’ edge in personal, local service. Bruce Gehrke of JD Power says early contact and strong lender partnerships remain key to leveraging this advantage.https://t.co/hstCIlRq6w
— Mortgage Professional America Magazine (@MPAMagazineUS) November 13, 2025
Sogorka not only sees a growth in DSCR loans, but also in AI technology. Like so many top mortgage executives, when asked what brokers should focus on heading into the new year, artificial intelligence was at the top of the list.
“I'm like a broken record with this, but if they are not leaning into AI in 2026, it's going to be a very challenging year,” Sogorka said. “When I spend time with people who own a mortgage broker shop, and they have 20, 50, 100 people, and I show them our tools and how they can use them there. When they really dive in, they're just shocked.
“If you're not using AI to drive your day, if you're not using it to be smart on every product, if you're not using it to find prospects, if you're not using it to retain past customers, if you're not using it to script out meetings with real estate agents, you're nowhere near where you need to be to be successful. I feel like I'm being a little bit overbearing with it, but I really think that's where we are right now.”
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