Whether this is your first home or your fifth, I’ll help you understand your options, lock in the right loan, and get to closing without the stress. No matter your credit score, down payment, or situation, let’s find a path forward.
DSCR stands for Debt Service Coverage Ratio. It’s a simple formula that compares what the property earns to what it costs to finance. If the rent covers the mortgage, you’re in business.
DSCR stands for Debt Service Coverage Ratio. It’s a simple formula that compares what the property earns to what it costs to finance. If the rent covers the mortgage, you’re in business.
Qualify on rental income alone. No personal income documentation required — ideal for self-employed investors or those with complex tax returns.
If your tax returns don’t reflect your actual income, bank statement loans use 12–24 months of deposits to qualify — no tax returns required.
High net worth but low reportable income? Asset depletion programs convert your liquid assets into qualifying income — no job required.
For investors with strong W-2 income and clean financials, conventional financing often offers the best rates on investment properties up to 10 units.
Yes — most DSCR programs allow vesting in an LLC, LP, or other entity. This is one of the key advantages over conventional investment loans, which typically require personal vesting.
Yes. Many DSCR lenders accept short-term rental income using market rent estimates or a percentage of the property’s gross rental history. I’ll tell you which lenders are most flexible on this.
Most DSCR programs require a minimum 680 credit score, though some lenders go lower with compensating factors. Conventional investment loans typically require 720+.
Most DSCR loans require 20–25% down on a purchase. Some programs allow 15% down for strong borrowers. Cash-out refinances are typically limited to 75–80% LTV.
DSCR loans typically close in 21–30 days. Because there’s no personal income verification, the process is often faster than conventional investment financing.
Send me the address or rental income estimate and I’ll tell you whether it qualifies, which loan fits best, and what your payment looks like — before you make an offer.
Victor Emmel · NMLS #133605 · Coast2Coast Mortgage NMLS #376205 · Equal Housing Opportunity
Mortgage Loan Advisor | NMLS #133605
I help investors make confident financing decisions with clear options and clean communication.
You get straight answers. You get a plan. You stay in control.
