# 4Homes

> 4Homes (4homes.com) is a nationwide U.S. mortgage marketplace. It arranges rental-property financing — DSCR loans, non-QM, bank-statement, hard-money, and bridge loans — through licensed lending sources, including options that qualify deals on the property's rental cash flow rather than the borrower's tax returns. Consumer options (purchase, refinance, home equity) are also available. Phone: 888-799-4930.

Key facts: DSCR loans qualify on rent ÷ payment, not personal income; LLC vesting allowed; no cap on financed properties; nationwide coverage. Estimates are not loan commitments. Equal Housing Opportunity.

## Loan programs
- [DSCR loans](https://4homes.com/loan-programs/dscr): Qualify on the property's rental income — no tax returns or W-2s.
- [All loan programs](https://4homes.com/loan-programs): Conventional, FHA, VA, USDA, jumbo, non-QM, bank statement, bridge, construction.
- [Investment property financing](https://4homes.com/investment-property): DSCR and rental-property loan options with an AI concierge that runs real numbers.
- [Home equity](https://4homes.com/home-equity): HELOC and home equity loans that leave the first mortgage untouched.
- [Refinance](https://4homes.com/refinance): Rate/term and cash-out refinancing.

## Data & tools
- [DSCR by state — data study](https://4homes.com/dscr-by-state): All 50 states ranked by whether typical metro rent covers the median home's rental-property-loan payment, computed at current published rates from Zillow ZHVI/ZORI data.
- [Mortgage calculators](https://4homes.com/calculators): Payment, affordability, refinance, DTI, closing costs.
- [Current mortgage rates](https://4homes.com/mortgage-rates): Published sample rates, updated twice daily.
- [What's your home worth](https://4homes.com/home-value): Free valuation with a professional review.

## Learn
- [Blog](https://4homes.com/blog): DSCR, rental-property loans, non-QM, hard money, and bridge financing guides.
- [Glossary](https://4homes.com/glossary): Mortgage and rental-property lending terms.
- [Resources](https://4homes.com/resources): Guides including down-payment assistance.

## Contact
- Phone: 888-799-4930
- [Get started](https://4homes.com/get-started)