Independent brokerage since 20074.5★ on GoogleLicensed in RI, MA, PA, FL & ALA network of specialty lenders, one application
Rhode Island is a landlord's market with real margins — from triple-deckers in Providence and Pawtucket to year-round and seasonal rentals across South County, Newport and the South Coast. A DSCR loan lets you finance those rentals on their own cash flow, without putting your tax returns under a microscope.
We're a Wakefield-based brokerage that knows these neighborhoods and the investor lenders that lend in them — so whether you're buying a Federal Hill multifamily or a Narragansett beach rental, your file goes to the program built for it.
Who it’s for
Providence multifamily
2–4 unit triple-deckers qualify on their rents, not your W-2.
South County rentals
Year-round and seasonal rentals in Narragansett, Wakefield and Westerly.
Newport short-term rentals
Many DSCR programs use short-term-rental income for waterfront condos and homes.
Program at a glance
Best for
Rhode Island rental-property investors
Qualifies on
The property's rent vs. payment — no tax returns
Markets we know
Providence, Cranston, Warwick, South County, Newport & the South Coast
Vesting
Individual or LLC
Property types
Single-family, 2–4 units and condos
Licensed in
Rhode Island (and MA, PA, FL & AL)
DSCR calculator
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.
Debt-service coverage ratio
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.
How working with us works
1
Tell us your scenario
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
2
We shop the right lenders
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
3
Pre-qualify with a plan
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
4
Close with confidence
We manage underwriting to the finish line and hand you off to a smooth closing day.
Common questions
Do you do DSCR loans across Rhode Island?
Yes — we're licensed statewide and lend from Washington County to Providence and Newport.
Can I use a DSCR loan on a Rhode Island multifamily?
Absolutely. 2–4 unit properties are a core DSCR use-case, and Rhode Island's triple-deckers are tailor-made for it.
What about a Newport or Narragansett short-term rental?
Many DSCR programs accept short-term-rental income; we'll match you to one that does.
Will you close in my LLC?
Yes — most DSCR lenders allow entity vesting.
4.5★★★★★ Rated on Google · independent brokerage since 2007
“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.”
