Why You Should Work With Me

01.

Free Consultation

02.

No formal commitment

03.

Access to all programs with DSCR Specialty

04.

Help with paperwork and document collection

05.

Direct support through out entire loan process

Debt Service Coverage Ratio (DSCR)

A (D)ebt (S)ervice (C)overage (R)atio loan is for non owner occupied investment properties only.

DSCR loans use rental income to determine a Borrower's ability

to pay monthly housing costs:

principle, interest, taxes and insurance (P.I.T.I).

No Personal Income Required.

Learn More

Powered by:

Hard Money

Hard Money is a short-term, business purpose loan, secured

by a properties free equity, rather than the borrower's creditworthiness and income.

Private loans cater to individuals or investors needing

Quick Access to Cash.

Hard money comes with high interest rates and a short

repayment period but it closes fast and required far

less paperwork than a traditional loan.

Learn More

Powered by:

Conventional Mortgage

Conventional mortgages offer some of the lowest interest rates and down payment options in the market today. Down Payments as Low as 3% Down Conventional Interest Rates = FHA Interest Rates These loans require more documentation than other loans, good credit, consistent work history (2+ years), and stable income.

California
Florida
Illinois
North Carolina
Texas
Washington

Learn More

Powered by:

Non-QM

Non-Qualified Mortgages (Non-QM) are for borrowers who require flexibility. These programs consider compensating factors, such as self-employed individuals with non-traditional income sources: fluctuating income, credit issues, or complex financial situations. Non-Qm Loans DO NOT Require Tax Returns. The most common Non-QM programs are: Bank Statements, Written Verification of Employment, and Asset Depletion.

California
Florida
Illinois
North Carolina
Texas
Washington

Learn More

Powered by:

FHA

FHA loans are designed to assist homebuyers who require flexible qualification requirements. These loans are insured by the Federal Housing Authority so Lenders can provide loans with smaller down payments and lower credit scores. FHA loans have competitive interest rates and can be ideal for those with limited financial resources.