Loan programs
Investor and DSCR loans
Qualify on the property's rent instead of your tax returns. For buy-and-hold investors building a portfolio.
The pre-approval application typically takes 10 to 15 minutes to fill out, and requires your consent for a credit check to complete the process.
We are detailed up front to set your deal up for success. We typically need your documents before we can finish your pre-approval.
If you prefer to talk with us before applying, you can text or call first.
A good fit if
- Rental income covers the payment
- Self-employed or complex income
- Buying in an LLC
Keep in mind
- Pricing and reserves differ from owner-occupied loans
- Short-term rental income is treated differently by lender
Common questions
How is the rent counted?
Market rent from the appraisal or the actual lease, depending on the situation. We compare the rent to the full payment to get the DSCR ratio that drives your approval and pricing.
Can I close in an LLC?
Often yes on DSCR loans. Tell us how you want to hold title and we will structure the file around it.
I already own several rentals. Is that a problem?
Usually the opposite. DSCR programs are built for portfolio growth. We will look at the whole picture and tell you the cleanest path to the next one.
Not sure which program?
Text us your goals and we will set a time to talk in more detail.
The pre-approval application typically takes 10 to 15 minutes to fill out, and requires your consent for a credit check to complete the process.
We are detailed up front to set your deal up for success. We typically need your documents before we can finish your pre-approval.
If you prefer to talk with us before applying, you can text or call first.
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