S&P Global Ratings
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The Rising Rate Of Non-QM And DSCR Mortgage Impairments
The non-qualified mortgage (non-QM) segment of the private label residential mortgage-backed securities (RMBS) space has evolved since its inception roughly a decade ago. One of the main developments has been the increase in debt-service coverage ratio (DSCR) loans, for which the underwriting is based on expected rental cashflows (akin to a commercial mortgage).
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Our integrated offering of credit ratings, risk research and critical insights is essential to translating complexity into clarity so that market participants can make decisions with conviction.
Understanding Credit Ratings
The mission of S&P Global Ratings is to provide high-quality, objective, independent, and rigorous analytical information to the marketplace. The quality, integrity, and transparency of our ratings are at the heart of what we do.
How We Rate Emerging And Frontier Markets
Emerging and frontier markets will play a crucial role in shaping the global economy and driving growth, contributing approximately 65% of global economic growth by 2035.
Credit Research & Insights
We deliver forward-looking, actionable insights on market-moving trends and their effects on credit—leveraging our proprietary data, analytical expertise, and cross-discipline approach.
Climate Finance In Lower-Income Countries
Low- and lower-middle-income countries are most vulnerable and least ready to adapt to climate change—yet receive the least amount of investment to transition their economies and build resilience to physical climate risks.