First rental purchase
Before you write offers, let’s review price, expected rent, cash needed, reserves, and whether the payment makes sense.
Investor and DSCR loans
Rental-property financing needs a different conversation.
A DSCR loan is a mortgage option where qualification may be based on the rental income of the property rather than traditional personal income documentation.
Run DSCR NumbersDSCR review
Rental income, property type, lease terms, market rent, and investor guidelines all affect whether a DSCR option fits.
Portfolio planning
If you already own rentals, the conversation may include cash-out, reserves, entity structure, and how the next property fits the bigger plan.
Bring the deal. We’ll look at the numbers.
Investor loans are not just about getting approved. The property should make sense too. Bring the address, price, estimated rent, down payment, and timeline so we can review the scenario clearly.
Useful details to send
Purchase price, rent estimate or lease, property type, occupancy plan, entity details if applicable, credit profile, reserves, and whether you want purchase or refinance financing.
Run DSCR NumbersDSCR calculator
See whether rent covers the payment.
Use the DSCR calculator to compare estimated rent against principal, interest, taxes, insurance, and HOA dues before you review a rental-property loan scenario.
Run an investor scenario
This is a planning estimate only. DSCR guidelines vary by investor, property, reserves, credit, documentation, and underwriting review.
Open DSCR CalculatorInvestor and DSCR FAQs
Questions to answer before you send the deal.
What is a DSCR loan?
A DSCR loan is an investor mortgage option where qualification may focus on the rental income of the property rather than traditional personal income documentation.
What details help review an investor loan scenario?
Useful details include purchase price or estimated value, expected rent or lease, property type, down payment, reserves, credit profile, entity details if applicable, and whether the request is for a purchase or refinance.
Can DSCR loans be used for refinance or cash-out?
Some DSCR programs may allow refinance or cash-out scenarios, subject to equity, rental income, credit, reserves, property type, and investor guidelines.
Does the property still need to make sense as an investment?
Yes. Financing is only one part of the decision. Rent, payment, taxes, insurance, HOA dues, repairs, vacancy, and reserves should all be reviewed before moving forward.