12+ Loan Programs Tailored to Your Needs
DSCR / Investor Loans
Qualify based on property cash flow - great for rentals
Equal Housing Lender • Loans originated by Nick Petrosov (NMLS #2015537) through Guild Mortgage Company (NMLS #3274)
Licensed in California. This is not a commitment to lend. All loans subject to underwriting and credit approval.
DSCR / Investor Loans Overview
DSCR loans evaluate rental property cash flow rather than personal income, making them perfect for real estate investors and rental property owners.
Key Program Details
Min Down Payment
20-25%
Min Credit Score
680+
Loan Limit
Up to $5M+
PMI/MIP Rules
Not required with 20%+ down
Advantages
- Qualify based on rental income
- No personal income verification
- Available for multiple properties
- Flexible qualification criteria
- Designed for investors
Considerations
- Higher down payment requirements
- Higher interest rates
- Limited to investment properties
- Requires rental income analysis
- More complex underwriting
Who This Loan Is Best For
Real estate investors
Rental property owners
Those building investment portfolios
Borrowers with multiple properties
People seeking cash flow-based qualification
Quick Scenario Example
$700K rental → $175K down (25%) → $3,022/mo P&I
$700K rental
$175K down (25%)
$3,022/mo P&I
$700,000
Home Price
$175,000
Down Payment
$3,022
Monthly Payment (P&I)
5.625%
Interest Rate
Ready to Apply for DSCR / Investor Loan?
Let's discuss your options and get you pre-approved today.
What You Get:
Same-day pre-approval
Competitive rates
Local expertise
Fast closing
Personalized service