The Rules of the Road for DSCR Flow Affiliates
DSCR Flow Affiliate Training - Core Module 2
The entire DSCR Flow affiliate model is built on a critical legal distinction:
We ONLY deal with Business Purpose Loans
Primary residences
Investment properties
To maintain the business purpose exemption, we have two non-negotiable rules:
We cannot and will not finance a borrower's primary home. The property must be for investment purposes only.
All loans must close in the name of an LLC or business entity. This reinforces the business purpose nature.
As a Basic Affiliate, you are a connector, not a loan officer. Think of yourself as a scout who finds opportunities and makes introductions.
While business purpose loans are exempt from many federal rules, some states have their own requirements. We've organized states into tiers:
38 states
All features available
MI, MN, NE, NC, VT
Link sharing only
CA, AZ, NV, ID, ND, SD, AK
Not available
Your affiliate portal is automatically configured based on your state.
In these 6 states, all borrowers must close in an LLC or business entity name. This is already a DSCR Flow requirement, but it's especially important here:
Pro Tip: If your borrower doesn't have an LLC, they can usually form one quickly and affordably.
Compliance is simple: educate and refer. Don't act like a lender.