We Are DSCR Experts.

A DSCR loan is a mortgage designed specifically for real estate investors that uses the rental income from the property itself to qualify—not personal income or tax returns. It's perfect for anyone investing in 1-4 unit rental properties, condos, even as part of a 1031 exchange, whether you're a first-time investor or own multiple properties.

YES. DSCR loans were built for Real Estate Investors like you. 

We do not calculate any DTI, we will not need copies of your tax returns, and we qualify you based on the income from the property being financed. 

You may even take cash out of one property with a DSCR loan, to use as a downpayment on a purchase of another investment property with a DSCR loan.

DSCR loans are the most convenient long-term loan products out there for real estate investors.

Prefer private money? We do that too.

YES is almost always our answer, as long as we are using the same parameters about the property and borrower.

Do you have a rate from another lender you're trying to match? We can do that AND we will cover your processing fee--some lenders charge over $1000 for processing.

As an independent broker with low overhead and over 16 years experience, we have access to dozens of excellent wholesale lenders, all of whom handle DSCR loans somewhat differently. 

Our goal is always to provide the absolute lowest rate we can, on a loan we can actually CLOSE for you.

Many lenders will quote rates on products that may not work due to certain restrictions. 

Yes, absolutely. DSCR loans are ideal for 1031 exchange purchases, allowing you to move quickly without the hassle of providing extensive personal documentation. It's even OK to take title in an LLC, a trust, or in your personal name.

If you are doing a reverse exchange, we recommend purchasing the replacement property with short term financing, then refinancing any debt remaining on the new property after the relinquished property sells and proceeds are used to pay down the acquisition loan on the replacement property. Ask us about cross collateral and private money short term loan options designed specifically for reverse exchanges.

Yes! Absolutely, as long as you do not occupy any part of the property. 

We will need a 12-month rental history for the property. We also pull a special report called an AIR DNA report, which will verify approximate short term rental income potential for the property. 

Loan to value ratios are slightly lower for short term rental properties. 

Yes, we accept transferred appraisals, under these conditions:

1. Ordered by another lender

2. Ordered through an AMC (appraisal management company)

3. Report will be less than 120 days old on the date we close your loan

If you received an appraisal that came in low that you do not thing accurately represents the value of your property, let us know and we'll outline a few other options for you. 

With DSCR loans, we look at the property's ability to cover its own costs, not your personal finances. We calculate the Debt Service Coverage Ratio (DSCR ratio) by comparing the monthly rental income to the total housing payment (mortgage, taxes, insurance, HOA). Your personal income, employment, and even credit card debt are completely ignored in the qualification process.

We will need to verify on-time payment of all other mortgages, even private money loans you may have.

DSCR loans offer flexible payment options, including interest-only payments that can lower the monthly payment, which can help properties qualify more easily by improving the property cash flow. Unlike other mortgage products, DSCR loans can use the interest-only payment when calculating debt service coverage.

You may pay down up to 20% of the balance owed in any calendar year without triggering the prepayment penalty (if applicable)

Getting started is simple. Use the Loan Request form on this page to provide basic information about your property and investment goals. This is enough info to provide you with current rates. Even if you're outside California, we can help you determine if your property qualifies for a DSCR loan. 

No credit check or SSN is needed for the initial loan request. Once you decide to move forward with us, we'll gather the rest of your info with a full loan application. No income or tax returns will be needed.

This is a partial list of the wholesale lenders we are able to broker to. We select the wholesale lender best suited to each client based on rate, programs, turn times, ability to get underwriting exceptions, and relationships built over many years with underwriting, account management, and upper management. If you prefer we use or avoid certain wholesalers, please let us know.

ACC Mortgage

Acra Lending (formerly Citadel Lending)

Advancial Mortgage

AHL (American Heritage Lending)

American Advisors Group (AAG)

Angel Oak Mortgage

Athas Capital Group

Axos Lending

Brokers First Funding (BFF)

Champions Funding

ClearEdge Lending

Deephaven Mortgage

Fifth Street Lending (5th Street Lending)

Finance of America

Finance of America Reverse

First Colony Mortgage (FCM Mortgage)

FundLoans

JMAC Lending

Kind Lending (spin off of Stearns Lending)

LendSure

NewRez LLC (formerly NewPenn)

Oaktree Funding

Quontic Bank Wholesale

Rocket Mortgage (aka Rocket Pro, formerly Quicken Loans)

TheLender

This list changes often and is not complete--just a sample of the many strong relationships we have access to. If you want to know about a certain program, just ask. 

We do not share seller guides, underwriting guidelines, rate sheets, or any proprietary information provided by our wholesale partners.