• Debt Service Coverage Ratio Mortgages (DSCR) are for rental homes
• Employment income doesn’t matter
• Debt-to-income ratio (DTI) doesn’t matter
• Income qualify using only the subject property’s rent, including:
  • Long Term Rent (leased)
    
  • Short Term Rent (Airbnb, Vrbo and more)
• Loan Types include:
  • Home Purchase
  • Rate/Term Refinance (lower rate and payment, get better mortgage terms, refi hard money loans and more)
  • Cash Out Refinance (debt consolidation, recoup renovation expenses, business loans and more)

Does rent cover payment (or close)? Then you probably have options!

DSCR Mortgages allow you to purchase or refinance rental homes without employment info. Other than the cash flow from the rental, lenders don’t ask about income. If you want to purchase an investment home or do a cash-out refinance, without DTI calculations, these loans are great options that don’t require tax returns or personal income. You can even use a DSCR mortgage after you purchase using all cash.

Want or have short-term rentals like Airbnb? Already have rentals and looking to buy more? Need cash to remodel or pay off credit cards used for renovations? What about improving your monthly cash-flow? Rental income mortgages like DSCR loans could be your answer!

• DTI doesn’t matter
• Purchase rental homes with as little as 20% down
• Cash out refinances up to 75% of home value
• Interest-only options to maximize cash flow
• 30 & 15 year fixed rate options
• No balloons and not hard money
• Loan amounts up to $3.5M+
• Title and mortgage can be in LLC name

Using me as your broker gives you access to all lenders I’ve got available. Is 1 better than 2? 2 better than 10? How about 15? With me, you get more lender options to make sure you’re getting the best lender options. That’s what you searched for anyways, right? I’ve already done the shopping for you. Rates, programs, turn-times. Done, done, and done. Why aren’t rates posted on my website? Because I don’t believe in teaser rates. For example, look at your own job and ask, how many “if this, then that” situations happen all the time? The same goes for lending. Let’s find the best combination of rate and program for you. That’s my job. A short 5-min convo is normally all I need. And I promise, you’ll leave our conversation knowing so much more than when you started. *Email works too!*