Real Estate Investors
Investor & DSCR Loans
Grow a portfolio on the strength of the property, not just the paperwork of your personal income.
Overview
How I approach it.
A DSCR loan is designed for real estate investors and generally qualifies the loan based primarily on the property’s rental income and cash flow, rather than the borrower’s traditional personal income.
That includes short-term rentals. There are investor programs available for Airbnb and other short-term rental properties, including DSCR options, depending on the property and the scenario. Because I can shop a large network of lenders, I can compare how each one treats the rent, the property type and your experience.
Highlights
Investor & DSCR Loans at a glance.
Property cash flow
Qualification driven primarily by the rental income the property produces.
Short-term rentals
Investor programs, including DSCR options, for Airbnb and vacation rentals.
Built to scale
Financing structured with the next acquisition in mind, not just this one.
Lender guidelines compared
Investor guidelines vary widely, so I compare them side by side.
How It Runs
Six steps, with me in every one.
01Initial Conversation & Strategy
I start by understanding your goals, income, assets, credit profile, property, timeline, and anything unusual about the scenario.
02Application & Documentation
We complete your application and I gather the documentation I need to fully understand and evaluate the file.
03Shop Lenders & Programs
With the complete scenario in hand, I compare lenders, products, guidelines and pricing to find where the loan fits best.
04Pre-Approval & Loan Structuring
I determine the best financing strategy and structure the loan properly. This is more than just generating a pre-approval letter.
05Underwriting & Communication
I stay involved through the whole file, work through conditions and issues as they arise, and keep you and your agents informed.
06Clear to Close & Closing
I review the final figures with you, coordinate the remaining pieces, and get the loan across the finish line.
Specialties
Other borrowers I focus on.
Self-Employed & Bank Statement
Qualify on what you actually earn, using bank statements instead of tax returns.
Learn more →First-Time Homebuyers
Low and no down payment options, assistance programs, and a plan before you shop.
Learn more →
