What does a mortgage loan originator do vs. a bank?

A bank offers only its own loan products. A mortgage loan originator shops your loan across 175+ wholesale lenders to find the best rate, terms, and program for your situation.

How do I get pre-approved?

Apply through one of our lender portals or contact me directly. I will pull your credit, verify income and assets, and issue a full pre-approval letter, typically within 24 hours.

How much do I need for a down payment?

Conventional loans start at 3% down, FHA at 3.5%, and VA loans require zero down payment.

When does it make sense to refinance?

Generally when you can lower your rate by 0.5% or more, shorten your term, or access equity. The key is whether monthly savings outweigh closing costs within your planned timeframe.

A DSCR loan qualifies based on the rental income of an investment property rather than your personal income. No tax returns or pay stubs required.

What is PMI and how do I get rid of it?

PMI is required on conventional loans with less than 20% down. It drops automatically at 78% LTV, or you can request removal at 80% LTV.

DSCR Investor Loans

Investment property financing qualified on the property's rental income rather than your personal income — no tax returns or employment verification.

DSCR Loans at a Glance

Program Highlights

✓ No personal income verification
✓ No W-2s or tax returns needed
✓ Qualify based on property cash flow
✓ Close in LLC or entity name
✓ Short-term rentals (Airbnb/VRBO) eligible
✓ Unlimited financed properties

Requirements

✓ DSCR 1.0+ (rent covers payment)
✓ 660+ credit score (best rates at 740+)
✓ 20-25% down payment
✓ 6 months reserves
✓ Lease agreement or market rent appraisal
✓ Investment property only (no owner-occupied)

How DSCR Loans Work

DSCR loans are Non-QM products that qualify based entirely on the property's rental income divided by its monthly debt obligation (PITIA). A DSCR of 1.25 means the rent is 125% of the payment — lenders love that. The beauty is simplicity: no personal income docs, no DTI calculations, and you can close in an LLC. This is the go-to for real estate investors scaling a portfolio. I work with specialized DSCR lenders who offer competitive rates for both long-term and short-term rental properties. If your property cash flows, I can get it financed.

The DSCR Process

Property & Rent Analysis

We start with the lease agreement or a market rent appraisal to establish the property’s gross rental income.

DSCR Calculation

Rental income divided by PITIA. A ratio of 1.0 means rent covers the payment; the best pricing starts at 1.25 and up.

Underwriting

No W-2s, no tax returns, no employment verification. Qualification rests on the property, plus credit and reserves.

Close in Your Entity

Close in the name of your LLC or other entity, with no cap on the number of financed properties.

Who DSCR Works Best For

Buy & Hold Investors

Qualify on the property’s cash flow rather than your personal debt-to-income ratio.

Short-Term Rental Owners

Airbnb and VRBO properties are eligible, with income evaluated on the rental performance.

Self-Employed Investors

Write-offs that shrink your taxable income have no effect here — the property qualifies itself.

Portfolio Builders

No limit on financed properties, so the program scales as your portfolio grows.

Try the DSCR Calculator DSCR Explained

Get a DSCR Loan Quote

Andrew Baker · NMLS 2688601 · (949) 665-9090

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