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The Mortgage Calculator Empowers Real Estate Investors with Flexible DSCR Loans

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The Mortgage Calculator introduces tailored DSCR loans for real estate investors, offering cash flow-based qualification and financing for residential and commercial investment properties. A DSCR mortgage calculator is available to help investors estimate potential loan terms and monthly payments.

MIAMI, Jan. 24, 2025 /PRNewswire-PRWeb/ — The Mortgage Calculator, a licensed lender (NMLS #2377459), is transforming real estate investment financing with its innovative Debt-Service Coverage Ratio (DSCR) loan programs. These loans empower investors to qualify for financing based on the cash flow generated by their properties rather than traditional income verification.

Our DSCR loans are designed to help real estate investors expand their portfolios without the traditional hurdles of income verification

With the growing demand for investment property financing, The Mortgage Calculator’s DSCR loans provide unmatched flexibility for experienced and first-time investors alike. The program also features a user-friendly DSCR mortgage calculator to help investors estimate loan amounts, monthly payments, and potential returns.

Key Features of DSCR Loans from The Mortgage Calculator:

Cash Flow-Based Qualification: Investors qualify based on rental income compared to property expenses, eliminating the need for personal income verification.Flexible Property Types: DSCR loans can be used for residential, multi-unit, commercial, mixed-use, and non-traditional properties.No Employment Verification Required: Qualification is solely based on property cash flow, offering greater flexibility for self-employed investors.Loan Options for All Borrower Types: Available to U.S. citizens, Foreign Nationals, and borrowers using LLCs or corporations.Streamlined Loan Process: Fast approvals and closings, allowing investors to capitalize on market opportunities.

“Our DSCR loans are designed to help real estate investors expand their portfolios without the traditional hurdles of income verification,” said Nicholas Hiersche, President of The Mortgage Calculator. “This program gives investors the flexibility to focus on cash flow and property performance, making it easier to grow their investments.”

Why Choose DSCR Loans?

DSCR loans are specifically tailored for real estate investors who prioritize property cash flow over conventional income documentation. By evaluating rental income against expenses, these loans allow borrowers to focus on the profitability of their investment properties.

Investors can finance a wide range of properties, including:

Single-family rentalsMulti-unit residential buildings (2-10 units)Mixed-use propertiesCommercial properties and condotels

Borrowers can also use the DSCR debt service coverage ratio calculator to estimate loan terms and evaluate monthly payment scenarios for their investment properties.

Competitive Financing for Investors

The Mortgage Calculator offers a variety of terms and options for DSCR loans, including competitive rates and high loan-to-value (LTV) ratios. Investors can maximize their leverage with financing tailored to their needs, making it easier to seize opportunities in dynamic real estate markets.

For more information or to apply for DSCR financing, visit the Real Estate Investor Cash Flow DSCR Loan page.

About The Mortgage Calculator

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in advanced technology and innovative solutions for borrowers and real estate investors. The company offers access to thousands of loan programs, including Conventional, FHA, VA, USDA, jumbo, and Non-QM loans, through partnerships with over 100 banks and lenders. Its DSCR loan programs provide cash flow-based financing solutions for real estate investors, offering flexibility and speed to meet the demands of today’s market. Learn more about the program and calculate potential payments using the DSCR mortgage calculator.

Media Contact

Kyle Hiersche, MORTGAGE CALCULATOR COMPANY LLC, 1 7867331993, PR@THEMORTGAGECALCULATOR.COM, https://themortgagecalculator.com 

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SOURCE The Mortgage Calculator

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Genedata Expands AI Discovery Workflows with NVIDIA BioNeMo Open Models, Including the New RFD4-Proteina Release

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Bringing next-generation binder design models into production discovery

BASEL, Switzerland, Oct. 22, 2026 /PRNewswire/ — Genedata, a Danaher company, and the leading provider of enterprise software solutions for biopharmaceutical R&D, today announced the addition of the new RFD4-Proteina binder design model into Genedata’s AI-enabled discovery workflows, following the model’s introduction at NVIDIA GTC Berlin. As an early ecosystem partner, Genedata is among the first companies to make RFD4-Proteina available within its production discovery workflows. By connecting AI-generated molecular designs, scientific data, and laboratory results, Genedata helps researchers transform AI predictions into continuous learning cycles that accelerate biologics discovery.

The workflow begins with scientists defining target characteristics and required properties using Genedata’s AI co-scientist. NVIDIA’s open protein design models then generate and evaluate candidate binders within Genedata. As candidates move into laboratory testing, results are captured and linked back to the original designs, helping scientists refine and rank the next round.

“Advances in AI are creating unprecedented opportunities for protein and antibody discovery, but unlocking their full value requires more than access to powerful models alone,” said Othmar Pfannes, Ph.D., President of Genedata. “Researchers need a way to connect molecular design, experimental execution, and scientific data into a continuous learning process. Genedata serves as the digital backbone that brings these elements together, helping scientists evaluate more candidates before testing, preserve the scientific context behind each outcome, and build knowledge from one discovery cycle to the next.”

While advances in generative AI are rapidly expanding what scientists can design, many organizations still struggle to operationalize these models within production scientific research workflows. Genedata provides the orchestration, governance, and scientific data foundation needed to deploy NVIDIA BioNeMo open models, including RFD4-Proteina, directly within the discovery workflows scientists use every day. Researchers can apply AI-generated designs within established processes while maintaining lineage, traceability, and scientific context across the discovery lifecycle.

Within Danaher’s autonomous laboratory initiative, these capabilities connect AI, automation, and scientific data in a closed-loop discovery framework where each experimental outcome informs the next design cycle, creating a continuous learn-and-improve process that advances science while keeping scientists in control.

About Genedata
Genedata, a Danaher company and the leading provider of enterprise software solutions for biopharma R&D, transforms biopharma data into intelligence. Our innovative solutions combine deep science, technology, and AI domain knowledge. Leading biopharma organizations and cutting-edge biotechs partner with Genedata to digitalize and automate complex data workflows. Our advanced analytics and embedded AI enable data-driven decisions. From early discovery through development to the clinic, Genedata solutions drive innovation and maximize ROI being trusted by customers worldwide for more than 25 years.

www.genedata.com
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About Danaher
Danaher is a leading global life sciences and diagnostics innovator, committed to accelerating the power of science and technology to improve human health. Through our connected ecosystem of industry-leading businesses, we work side by side with customers to solve their most complex scientific and clinical challenges—helping move innovations from discovery to delivery faster for patients who depend on them. Powered by the Danaher Business System, our advanced science and technology and proven ability to innovate help enable faster, more accurate diagnoses and reduce the time, cost, and risk required to discover, develop, and deliver life-changing therapies. Through continuous improvement and operational excellence, our approximately 60,000 associates worldwide are focused on delivering lasting impact and improving quality of life around the world, while building a healthier, more sustainable tomorrow. Explore more at www.danaher.com.

Disclaimer

The statements in this press release that relate to future plans, events or performance are forward-looking statements that involve risks and uncertainties, including risks associated with uncertainties related to contract cancellations, developing risks, competitive factors, uncertainties pertaining to customer orders, demand for products and services, development of markets for the Company’s products and services. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. The Company undertakes no obligation to release publicly the result of any revisions to these forward-looking statements that may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

All product and service names mentioned are the trademarks of their respective companies.

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SOURCE Genedata

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Bybit AI Empowers Users with Their Personal Financial Edge, Adding Personalization and Memory

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DUBAI, UAE, Oct. 22, 2026 /PRNewswire/ — Bybit, the New Financial Platform trusted by more than 80 million users worldwide, has announced new personalization and memory features for Bybit AI, its in-app intelligent conversational layer. Bybit AI now builds a profile from each user’s assets, positions, behavior and risk profile, connecting wealth, markets and trading across the Bybit ecosystem.

Launched in September, Bybit AI organically unifies Bybit’s core services within a single chat interface. The newly added features extend its capacity from responding to individual requests to maintaining a continuous understanding of the user, giving each user their personal financial edge.

Putting the user at the center, Bybit AI is evolving on three pillars:

Personalized: With permissions granted and limits set, Bybit AI analyzes actual account information, including financial behavior and risk profile alongside assets and positions, to generate outputs tailored to the individual.Connected: Bybit AI links Markets, Trading, Earn, Card and other Bybit products, drawing on the full picture of a user’s holdings and activity rather than a single product.Remembered: Users can proactively share their preferences with Bybit AI, which retains this context through long-term memory so that each conversation builds on the previous one.

The release also introduces Featured, a set of customized entry points for specific use cases. Each entry point offers predefined prompts, such as generating a wealth management plan based on a user’s assets and risk tolerance, and returns structured analysis with key data, clear insights and suggested next steps.

Bybit AI supports main account operations while giving users the option to deploy it within a dedicated Bybit AI sub-account. The AI-powered assistant is built on a security-first architecture. Outputs are provided for informational purposes only and do not constitute investment advice. Instructions are executed in chats only after customer authorizations.

Bybit expects to introduce further updates to Bybit AI as it continues to build toward AI-native financial services, with conversational intelligence positioned as core infrastructure.

To explore Bybit AI and learn more about how it works, users may visit: Bybit AI  – Learn how to use Bybit through conversation.

#Bybit  / #NewFinancialPlatform 

About Bybit

Bybit is The New Financial Platform.

We believe every person should have access to every financial opportunity on earth. That’s why we’re building the first intelligent platform that connects anyone, anywhere to the world’s finance.

Trusted by more than 80 million users worldwide, Bybit brings together investing, trading, payments, and wealth-building in a single secure and intelligent ecosystem. Through the combination of AI-powered technology, deep global liquidity, robust security, and transparent operations, Bybit makes global finance more accessible, efficient, and empowering for everyone.

Built for everyone. Powered by intelligence. Open to the world.

Learn more at Bybit.com.

For more details about Bybit, please visit Bybit Press

For media inquiries, please contact: media@bybit.com

For updates, please follow: Bybit’s Communities and Social Media

Facebook | Instagram | LinkedIn | Reddit | Telegram | TikTok | X | Youtube

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Poq is now a Shopify Certified Technology Partner

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LONDON, Oct. 22, 2026 /PRNewswire/ —  poq, the native mobile app platform for retail brands, today announced it has been recognised as a Shopify Certified Technology Partner. Shopify’s certification is reserved for app partners that meet Shopify’s standards for quality, security, performance and support. poq is now listed in the Shopify Technology Partner Directory and the Certified Technology Partner App Store Collection, making it easier for enterprise Shopify merchants to find and adopt a proven native app platform.

poq already powers native iOS and Android apps for joint customers including Ardene, Steve Madden UK, e.l.f. Beauty (globally), Horze (pan-European), Mamas & Papas (UK) and ECO. Modern Essentials (ANZ and UK). Across the poq platform, shoppers convert at 1.8 times the rate of mobile web, based on the median across 21 brands from January 2025 to January 2026.

“Certification from Shopify is independent validation that poq meets the high standard Shopify sets for its technology partners,” said Jay Johnston, CEO of poq. “Our customers use their apps to build loyalty and drive repeat purchases from their most valuable shoppers. This recognition means more Shopify merchants can launch a high-performing native app with confidence, on a platform already proven at scale across four continents.”

Results for Shopify Brands

European equestrian retailer Horze moved to Shopify and chose to stay with poq for its native app. “After choosing to continue working together, I can confidently say that this was absolutely the right decision. The level of motivation, ownership, and commitment the poq team demonstrated throughout the project was truly impressive,” said Dominik Schlag, CFO of Horze.

In the UK, Mamas & Papas uses its poq app to make shopping easier for busy parents. “Our poq app makes shopping with us quick and easy wherever they are, and drives loyalty and repeat purchases,” said Jo Molineux, Digital Director at Mamas & Papas.

About poq

poq is a leading Software-as-a-Service (SaaS) platform that empowers retailers and brands to create and maintain engaging, high-performance native mobile apps. With a focus on driving customer engagement and revenue, poq’s platform enables seamless integration, powerful personalisation, and an enhanced shopping experience for businesses worldwide. Learn more at poqcommerce.com.

Media contact
Emma Williams, Marketing Lead
emma.williams@poqcommerce.com  

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SOURCE Poq

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