Qualify on the rent, not your tax returns. DSCR loans let real-estate investors finance rentals on the property's own cash flow.
A DSCR (Debt-Service Coverage Ratio) loan qualifies you on a simple idea: does the property's rent cover its mortgage payment? If the numbers work, your personal income, tax returns and pay stubs stay out of it — which is exactly why serious investors use them.
As an independent brokerage, we shop a network of investor-focused lenders, so your file is matched to the program with the right ratio flexibility and terms — not squeezed into one bank's single guideline.
Keep buying past the conventional loan cap — investor lenders are built for scale.
Qualify on the lease or market rent vs. the payment, with no personal income docs.
Close in your entity's name on qualifying programs.
Buy, rehab, rent, refinance, repeat — refinance out on the stabilized rent into long-term financing.
Business-purpose (investor) loans only — not consumer mortgages. Availability is lender- and state-specific and subject to change; ask us about your state.
We arrange business-purpose (investor) loans — DSCR, hard money, bridge and commercial — in: Alaska, Alabama, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, Wyoming.
Enter a property’s rent and your estimated financing to see its debt-service coverage ratio. Updates as you type — nothing is saved or sent.
Information and interactive calculators are made available as self-help tools for your independent use and are not intended to provide investment advice. Results are hypothetical illustrations based solely on the figures you enter — they are not a quote, rate offer, or commitment to lend, and we cannot guarantee their applicability or accuracy to your situation.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Programs vary; many look for the rent to roughly cover the payment, and some allow lower ratios — even no-ratio options — with other compensating factors. We'll match your property to the right one.
On a true DSCR loan, no. Qualification centers on the property's cash flow, not your W-2 or tax returns.
Yes — most DSCR lenders allow, and many prefer, entity vesting.
Usually the lease in place or the appraiser's market-rent opinion (Form 1007), depending on the program.
Many programs allow short-term and Airbnb-style rentals and will use projected or actual STR income. We'll confirm the program rules.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.