Lender profile
Merchants Mortgage & Trust
hard money
Verified Sep 17, 2026
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed.
Published facts
Max LTV
80%
Max LTC
80%
Min credit score
660
Min DSCR
0.75
Channel
Direct
Terms
Not publicly published
Close time
Not publicly published
Merchants Mortgage & Trust does not publish a state-coverage count. Its stated geographic focus is “states not publicly disclosed” — a description of intent, not a confirmed licensure claim.
Products
rental DSCR
Strengths
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Who this lender suits
Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.