Do you offer DSCR / investment loan programs?
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Yes. DSCR loans qualify the property, not your personal income, which is why investors use them when tax returns don't reflect actual cash flow. The lender looks at whether the property's rental income covers the mortgage payment, typically measured as a ratio at or above 1.0, rather than pulling W-2s or two years of returns. As a wholesale broker, I place these across multiple lenders because DSCR guidelines vary widely between them, and the ratio requirements, reserve requirements, and minimum credit scores are rarely identical.