Options Home Loans
Wholesale mortgage broker. California DSCR page. Published company identifier: NMLS 2221613.
Provider identity
- Public brand
- Options Home Loans
- Legal name
- Options Home Loans LLC
- Company ID
- NMLS 2221613
- Model
- 40+ non-QM wholesale lenders
- Coverage
- The company website says it works with borrowers nationwide, but its DSCR investor page is California-specific. Confirm property-state availability.
Published program
- Loan range
- Not published for DSCR
- Terms and purpose
- Purchase and cash-out refinance options
- Short-term rental
- Not published
- Foreign national
- Not published
- Entity vesting
- Not published
- First-time investor
- Not published
Eligible property types published
What stands out
- Shops a scenario across multiple non-QM lenders
- No personal tax returns on select programs
- Investor cash flow qualification
Sources and limits
Product-level DSCR thresholds are not published on the reviewed page. Ask for a written quote showing rate, points, lender fees, and prepayment terms.
- Official DSCR investor program
- Official broker and lender network disclosure
- NMLS Consumer Access, search company ID 2221613
Checked 2026-08-20. Public product pages can lag current underwriting. Ask the provider to identify the legal lender, confirm property-state authority, and put all terms in writing.
Compare this provider correctly
Send the same property address, loan amount, credit range, rent documentation, and reserve estimate to at least three providers. Compare rate, total points, all fees, prepayment penalty, cash to close, and the DSCR calculation on the same day.
Compare real estate lendersEducational only. Not financial, legal, or tax advice. Big Brain Funding is not a lender or broker of record. This profile is not an endorsement, rate quote, approval, or offer to lend. Verify licensing, coverage, and current program details directly.