{"id":15662,"date":"2025-09-10T13:57:43","date_gmt":"2025-09-10T18:57:43","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=15662"},"modified":"2025-09-10T13:56:27","modified_gmt":"2025-09-10T18:56:27","slug":"dscr-eligibility-in-hemlock-pricing-engine","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/product-updates\/dscr-eligibility-in-hemlock-pricing-engine","title":{"rendered":"DSCR Eligibility Now in Hemlock Pricing Engine"},"content":{"rendered":"\n<p>Earlier this summer, we rolled out&nbsp;<a class=\"\" href=\"https:\/\/email.morty.com\/e\/c\/eyJlIjozNjEwOSwiZW1haWxfaWQiOiJleGFtcGxlIiwiaHJlZiI6Imh0dHBzOi8vd3d3Lm1vcnR5LmNvbS9yZXNvdXJjZXMvcHJvZHVjdC11cGRhdGVzL2Z1bGwtbm9uLXFtLXByaWNpbmctc2NlbmFyaW9zLWFyZS1saXZlIiwidCI6MTc1NzUzMDUzMX0\/dcf84110e4ee8de1bdddd6b7af8d1b0d1bc04368a521681eba6111c32fc784b5\" rel=\"noreferrer noopener\" target=\"_blank\">full pricing engine support<\/a>&nbsp;for non-QM programs like DSCR and Alt-Docs. Today, we\u2019re taking it a step further:&nbsp;<strong>DSCR loan options in Hemlock now include full eligibility messaging.<\/strong><\/p>\n\n\n\n<p>Hemlock LOS now supports DSCR eligibility messaging. Loan officers can review program-specific issues, avoid misused inputs like PPP, and generate fee sheets and manual pre-approval letters for DSCR loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">DSCR Loans in Hemlock Just Got an Upgrade<\/h2>\n\n\n\n<p>Debt Service Coverage Ratio (DSCR) loans are an essential tool for investors and non-QM borrowers. But structuring these scenarios often requires clarity on eligibility rules and program-specific details. That\u2019s why Morty is enhancing <strong>Hemlock Pricing<\/strong> with <strong>DSCR eligibility messaging<\/strong> \u2014 giving loan officers more transparency and control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Background: Non-QM Programs in Hemlock<\/h2>\n\n\n\n<p>Earlier this summer, Morty launched initial pricing support for <strong>non-QM programs<\/strong> like DSCR and Alt-Doc. These options opened the door for brokers to serve a wider range of clients \u2014 including real estate investors and self-employed borrowers \u2014 directly within Hemlock.<\/p>\n\n\n\n<p>With today\u2019s release, DSCR loans now behave like other <strong>internal-only options<\/strong> in Hemlock:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eligibility messaging is displayed for each scenario.<\/li>\n\n\n\n<li>Fee sheets can be generated.<\/li>\n\n\n\n<li>Manual pre-approval letters are supported.<\/li>\n<\/ul>\n\n\n\n<p>This update improves the <strong>workflow for loan officers<\/strong>, making it easier to explain to clients why a particular DSCR option may or may not fit their profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How DSCR Eligibility Messaging Works<\/h2>\n\n\n\n<p>Loan officers can now click into any DSCR option in Hemlock Pricing to see <strong>program- or option-specific eligibility issues.<\/strong><\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If an input doesn\u2019t align with DSCR program requirements, Hemlock will flag it.<\/li>\n\n\n\n<li>When pre-payment penalties (PPP) are misapplied, the system alerts the LO to adjust inputs.<\/li>\n<\/ul>\n\n\n\n<p>This ensures that loan officers understand whether an input is the true blocker \u2014 or if the borrower remains eligible once corrections are made.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example: Pre-Payment Penalties (PPP)<\/h3>\n\n\n\n<p>Pre-payment penalties are only allowed in certain DSCR scenarios. If \u201cPPP years\u201d is set to anything other than \u201cNone\u201d when PPP is not allowed, Hemlock will display an eligibility issue.<\/p>\n\n\n\n<p>Importantly, this does not mean the client is ineligible for the program. Instead, it simply signals that the LO must adjust the PPP input to \u201cNone\u201d before proceeding.<\/p>\n\n\n\n<p>This level of feedback ensures loan officers avoid unnecessary confusion, while still maintaining compliance with program rules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters for Loan Officers<\/h2>\n\n\n\n<p>The addition of DSCR eligibility messaging offers several key benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Clarity at the point of pricing<\/strong> \u2014 LOs can identify issues immediately, rather than after running scenarios offline.<\/li>\n\n\n\n<li><strong>Better client conversations<\/strong> \u2014 Clear eligibility notes help explain why a DSCR option does or does not apply to a borrower\u2019s situation.<\/li>\n\n\n\n<li><strong>Consistency across programs<\/strong> \u2014 DSCR loans now behave like other internal-only loan types in Hemlock, with fee sheets and manual PA letters available.<\/li>\n<\/ul>\n\n\n\n<p>This update allows loan officers to <strong>deliver confidence and expertise<\/strong> to clients considering DSCR financing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What You Can Do Today<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Explore DSCR eligibility messaging<\/strong> by running DSCR scenarios in Hemlock Pricing.<\/li>\n\n\n\n<li><strong>Use fee sheets and manual pre-approval letters<\/strong> to present DSCR options professionally to your clients.<\/li>\n\n\n\n<li><strong>Leverage messaging<\/strong> to guide conversations with investors or clients evaluating rental property financing.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">DSCR Loans and the Bigger Picture<\/h2>\n\n\n\n<p>For brokers, DSCR loans are a powerful way to grow business beyond traditional agency borrowers. By bringing DSCR pricing and eligibility into Hemlock, Morty is helping loan officers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capture more investor clients<\/li>\n\n\n\n<li>Serve borrowers with unique income profiles<\/li>\n\n\n\n<li>Differentiate themselves in a competitive market<\/li>\n<\/ul>\n\n\n\n<p>This release is part of Morty\u2019s broader commitment to expanding <strong>non-QM program support<\/strong> across the Hemlock platform.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DSCR loan options in Hemlock now display <strong>eligibility messaging<\/strong>.<\/li>\n\n\n\n<li>LOs can review program-specific issues, such as PPP misapplications.<\/li>\n\n\n\n<li>Fee sheets and manual pre-approval letters can be generated for DSCR options.<\/li>\n\n\n\n<li>DSCR is now consistent with other <strong>internal-only loans<\/strong> in Hemlock.<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udc49 <a href=\"https:\/\/www.morty.com\/contact-sales\">Talk to our team<\/a> to learn more about how Hemlock supports non-QM lending.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Earlier this summer, we rolled out&nbsp;full pricing engine support&nbsp;for non-QM programs like DSCR and Alt-Docs&#8230;.<\/p>\n","protected":false},"author":30,"featured_media":15663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[866],"tags":[934,867,932],"series":[],"class_list":["post-15662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-updates","tag-client-tools","tag-hemlock","tag-los"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DSCR Eligibility Now in Hemlock Pricing Engine | Morty Resources<\/title>\n<meta name=\"description\" content=\"Morty supports DSCR eligibility messaging. 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