| For | Mortgage brokers and licensed mortgage professionals |
| Scenario focus | DSCR rental property and commercial real estate |
| Before proceeding | State authority, lender fit, roles and written terms |
Mortgage brokers can contact Stonehaven Lending about DSCR and commercial scenarios that need a separate financing review. Lead with the property state, loan purpose, occupancy, requested amount and qualification issue. Before sharing an application or discussing compensation, clarify each professional’s authority, responsibilities and the borrower’s permission. An introduction does not establish an approved broker agreement.
Stonehaven Lending arranges financing through third-party lenders. Mortgage professionals can contact us about DSCR and commercial real estate scenarios. An invitation to discuss a loan is not an approval of a co-broker arrangement or a commitment to accept every transaction.
Lead with the issue that needs an answer
Identify the property type and state, borrower structure, intended occupancy, transaction purpose, estimated value or purchase price and requested loan amount. Explain the central issue: rental income, a loan maturity, property condition, existing debt, ownership structure or another known constraint. State what is confirmed and what still needs documentation.
For a refinance, include the current balance and any known prepayment provision or maturity date. For an acquisition, include the contract timing. If more than one property is involved, distinguish the collateral and income for each. Keep assumptions separate from figures supported by documents.
Avoid turning a product label into a conclusion
A DSCR program may evaluate rental-property income under its own guidelines. That does not mean every rental scenario qualifies or that a borrower’s personal use of proceeds is irrelevant. Describe the actual purpose and occupancy rather than relying on DSCR as the complete explanation.
For commercial real estate, explain the property’s use and whether it is occupied by tenants or the borrower’s business. SBA financing has separate program requirements. A general commercial inquiry should not assume that the same terms, documents or partner arrangement apply across products.
Clarify authority and responsibilities first
Before anyone takes an application or performs additional loan work, identify the firms and individuals involved and the states implicated. A license for one activity or jurisdiction is not necessarily authority for another. Discuss who will communicate with the borrower, gather documents, submit the file and coordinate with the lender.
If a co-broker relationship is proposed, responsibilities and any compensation must be reviewed separately and documented before reliance on the arrangement. Confirm applicable licensing, lender requirements and the authorized recipient. This page does not advertise an approved broker network, fee split or automatic enrollment.
Protect the borrower’s information and choice
Obtain permission before sharing identifying information or documents. An initial non-sensitive summary can be enough to frame the review. Do not forward a full application, credit report or financial package through the public website form. Agree on the authorized communication path if the scenario moves forward.
A borrower should understand which firm is involved and what the next step means. A preliminary conversation is not underwriting approval. Do not describe the introduction as a lender commitment or instruct a borrower to rely on unconfirmed terms.
What about referral compensation?
No compensation is offered or promised here. Covered residential referrals are subject to RESPA restrictions. For genuinely business-purpose transactions, the federal exclusion does not establish state brokerage authority. Any proposed payment needs its own transaction and recipient review.
Start a broker scenario conversation
Contact Stonehaven with your name, firm, role, states and a concise scenario summary. Identify the specific question you want answered. Keep the first exchange focused on fit and next steps rather than assuming a partnership is already established.
For introductions from other professions, share the real estate agent guide or the guide for CPAs and attorneys.