Patrick Penner
DSCR Mortgage Strategist · NMLS #459913
DSCR Purchase Loan Application
Qualify on Rental Income.
Not Your W-2.
No personal income verification · No tax returns required · No employment needed. Financing for serious real estate investors nationwide.
Get Your DSCR QuoteComplete the form — I'll follow up with a custom strategy.
🔒 Secure
DSCR Ratio Tiers
Which Ratio Fits Your Deal?
Not every property hits 1.25x — we have programs across every tier so your deal doesn't get left behind.
No Ratio
No Ratio DSCR
Income isn't calculated at all. Qualify on credit, down payment, and reserves alone.
Most Flexible
0.80x
Below Break-Even
Rent covers 80% of PITIA. Great for value-add properties or markets with upside potential.
Low Income OK
1.0x
Break-Even
Rent exactly covers the mortgage payment. Standard entry point for most DSCR lenders.
Common Threshold
1.25x
Strong Cash Flow
Rent exceeds PITIA by 25%. Unlocks the best rates and most favorable loan terms.
Best Pricing