DSCR / Investors

Aka Debt-Service Coverage Ratio / No Income / Stated income

We Have Mortgage Options Others Don't

Proudly serving
CA | FL | GA | NC | SC

Do Any of These Describe You?

  • Buying an Investment Property
  • Own an Investment Property

Then Keep Reading!

Program Highlights

  • Mortgage qualify using rental income ONLY including:
    • Short Term Rent (Airbnb, Vrbo, etc.)
    • Long Term Rent (leased)
  • Debt Service Coverage Ratio (DSCR) mortgages for Rental Homes
  • Loan Types:
    • Home Purchase Mortgage
    • Rate/Term Refinance Mortgage (lower payment, get out of hard money, etc.)
    • Cash Out Refinance Mortgage (debt consolidation, business loans, etc.)

The United States real estate market offers some of the most strategic, lucrative means to financial success; it’s no wonder why so many people want to invest in properties. The real wonder is why lenders haven’t figured out more ways to allow people to invest. Well they actually have, and it’s regulated by the government and legal—no funny business.

Whether you’re looking for lower down payments, want more cash out than traditional limits allow, want to increase monthly cash-flow on your rentals, or don’t want to provide your income to qualify (yes, that’s correct, no typo, you don’t have to provide income to obtain mortgages on investment properties), we have access to these solutions. 

Want to capitalize on the new wave of renting via outlets such as Airbnb or VRBO? Already have rentals and looking to buy more? Need cash to renovate? Want to improve monthly cash-flow? 

We have partnerships with lenders offering solutions for all these and more—including $1M+ homes. People are purchasing investment properties with as little as 15% down; people are taking cash out as high 80% of the value on their investment properties; people are getting interest-only loans to maximize monthly rent; people are also doing all of these by providing income and by not providing income *—we’ll show you both sides and discuss the strategies available.

* there are generally 2 routes when qualifying for a No Income loan:

  1. No Debt Service Coverage Ratio: rent doesn’t matter, payment doesn’t matter
  2. Debt Service Coverage Ratio (DSCR): the rent covers the housing payment by a certain percentage. This can be based on the current rental agreement or by the appraiser’s opinion of market rent for comparable homes

We Have Mortgage Options Others Don't

Proudly serving
CA | FL | GA | NC | SC

Contact Us Form