DSCR Loan Programs
Whether you're buying a standard rental, running short-term rentals, or operating a niche housing model — I have a DSCR program that fits your strategy.
Long-Term Rental
Traditional buy-and-hold investment properties
Short-Term Rental
Airbnb & VRBO properties using projected STR income
Co-Living / PadSplit
Room-by-room & shared housing models with DSCR financing
Care Homes
Residential assisted living and adult care facilities
Mixed Use
Properties combining residential and commercial space
BRRRR DSCR
Buy, Rehab, Rent, Refinance, Repeat with DSCR financing
Start Here
Most investors don't pick the wrong property.
They pick the wrong loan for what they want to do next.
They pick the wrong loan for what they want to do next.
Rate changes. Structure stays.The loan structure you choose today shapes every refinance and next purchase.
Approval is a gate — not the strategy.Getting approved is just the beginning. The right structure keeps doors open.
Liquidity creates options.Preserving cash flow and reserves is what lets you move on the next deal.
Different lenders = different rules.Knowing which lender fits your scenario is half the strategy.
What I Actually Do
I don't start with "What loan do you want?" I start with your next 2-3 moves, then we choose the structure that keeps you moving.
1
Map next purchases before choosing first loanSo your current structure supports your future plans.
2
Match structure to refinance and exit timingAlign prepay periods and terms to your investment timeline.
3
Compare lender rules that change outcomesNot all DSCR lenders are equal - the differences matter.
4
Plan around liquidity, reserves, and credit impactProtect your ability to qualify for the next deal.
Investor Education
DSCR vs Conventional
Where conventional starts limiting scale.
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Liquidity vs Payoff
Why access matters more than payoff speed.
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Prepay Strategy
Flexibility vs pricing tradeoffs.
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LLC Vesting
Why timing matters for protection and scaling.
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📊 DSCR Ratio Types — No Ratio, 0.80, 1.0 & 1.25
Not every deal hits 1.25 — understand which ratio fits your property and what it means for your loan options.
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🧮 DSCR Calculator — Run Your Numbers
Enter your rent, loan amount, rate, taxes, insurance and HOA to instantly see your ratio and which tier your deal falls into.
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