For Real Estate Investors (1–4 Units)
Stop letting your personal DTI
kill your next investment.
Most banks limit you to 10 properties and demand personal tax returns. I use DSCR loans to qualify the property's cash flow, not your personal income.
The "Retail" Lender
Asks for 2 years of W-2s and tax returns. Counts your personal car loan against your rental income. Caps you at 4 properties.
The Investor Specialist
No tax returns. No employment verification. We look at one number: does the rent cover the mortgage? If yes, you're approved.
The "Scale Unlimited" Strategy
The DSCR Method
Debt Service Coverage Ratio. We take the monthly rent and divide it by the mortgage payment. If the ratio is 1.0 or higher, the deal works. It's that simple.
Close in an LLC
Protect your personal assets. Unlike conventional loans that force you to close in your personal name, we allow you to title the property directly into your LLC.
No Property Limits
Fannie Mae cuts you off after 10 financed properties. DSCR programs have no such limit — as long as the properties cash flow, you can keep buying.
Run the Numbers
Use investor-grade calculators to vet your next deal.
Found a potential deal?
Don't guess. Let me run the rent-versus-mortgage math for you before you go under contract.