Scout-powered mortgage guidance
The go-to team
for investors & first-timers.
Our specialty is helping clients with complex income, assets, and careers grow property portfolios and buy first homes. We’re a smart, friendly direct-lending team that turns “I can’t afford the market” or “I can’t find properties that cash flow” into closed deals with help from our Scout platform.
Real people, senior advice.4.94★ across 333 verified reviews
Free tech for clients
Find & fund rental properties. One-stop shop.
- Every for-sale home, pre-approved in real timeScout calculates DSCR on 1,065,629 active homes using short-term (STR) and long-term (LTR) rent projections we accept as a direct lender.
- From Scout to close, fastFilter from all-U.S. to hot markets to cash-flowing, ready-to-close properties in seconds. Ping us to find & fund one today.
Scout’s current for-sale inventory.
- 1–2 beds
- 18.8% 198,230 homes
- 3–4 beds
- 69.2% 730,870 homes
- 5+ beds
- 12.0% 127,169 homes
5 senior bankers · 47 statesScout finds the signal. We help you act on it.
There is a senior mortgage banker behind every report, pre-approval, and closing plan—so the numbers never become a black box.
Find and fund properties that cash flow.
Real active listings with projected income we accept as a direct lender means properties in our Scout platform can fund in as little as 15-18 days. Reach out and we’ll show you how.
$274,900 — 3-bed house in North Port, FL
DSCR 1.26 (debt-service coverage ratio)House · 3 bed · 2 bath · 1,715 sqft
- Projected STR revenue
- $31,200–$39,700/yr
See the market data for this metro
Scout this home & market: 3-bed house in North Port, FLListed by PEACOCK PREMIER PROPERTIES LLC
$238,000 — 3-bed townhouse in Georgetown, TX
DSCR 1.55 (debt-service coverage ratio)Townhouse · 3 bed · 2 bath · 1,060 sqft
- Projected STR revenue
- $37,500–$47,700/yr
See the market data for this metro
Scout this home & market: 3-bed townhouse in Georgetown, TXListed by Epperson Realty Group LLC
$359,900 — 3-bed house in Peoria, AZ
DSCR 1.37 (debt-service coverage ratio)House · 3 bed · 2 bath · 1,405 sqft
- Projected STR revenue
- $39,800–$50,700/yr
See the market data for this metro
Scout this home & market: 3-bed house in Peoria, AZListed by W and Partners, LLC
Mortgage specialties for real-life scenarios.
From rental empires to first homes — we underwrite to your nuanced situation, not a generic template. Explore the full lineup, then let us structure the right path around the property, income, and goal.
DSCR Loans For Investors
Qualify on rental income, not W-2s. Short-term, long-term, mid-term – paired with Scout for real-time property scoring.
How it works →BRRRR Strategy Loans
Buy, Rehab, Rent, Refinance, Repeat. We know the BRRRR playbook cold and structure financing to recycle your capital.
How it works →Fix & Flip Loans
Short-term bridge financing to buy, renovate, and sell. Rehab funds wrap into the loan, and we close in days.
How it works →Jumbo & Bank Statement
High-balance, asset-utilization, bank statement, and 1099 loans for self-employed and high-net-worth clients.
How it works →Refi + HELOC
Rate-and-term, cash-out, and home equity lines. Tap equity to rehab, scale your portfolio, or consolidate debt.
How it works →Athlete, Artist, Influencer
The top team lending to athletes, artists, and influencers. We understand NIL and other contracts.
How it works →Physician & First Responder
Specialty programs for doctors, nurses, firefighters, and police – including FOP and IAFF affinity benefits.
How it works →FHA + VA Loans
FHA with as little as 3.5% down for first-time buyers. VA 0% down, no PMI, low rates for veterans.
How it works →USDA Rural
$0-down financing for eligible rural and suburban areas with competitive fixed rates.
How it works →Got a complex scenario or a tricky exception?
See the common exceptions we navigate — and real client deals we’ve closed.
From scout to close
The Chad Baker Team built Scout to be simple. We screen-share to zoom in on your priority markets — price, location, DSCR, bed/bath, property type — then send Scout Market & Property Reports so you can write offers on deals pre-approved by us.
Scout the market
Search 1,065,629 active for-sale properties with STR and LTR DSCRs already in the system. The team currently lends in 47 states.
Lock your strategy
We pre-approve you on terms that match your portfolio plan. No surprises when you write the offer.
Win the offer
Make confident offers backed by a direct lender who already knows the property pencils.
Close & repeat
Average close in 18 days. Scale your portfolio with a partner ready to fund your next deal.
Active or aspiring investor? See a Scout walkthrough →
Bring it to us messy. We’ll sort it out.
A target property, a rough plan, or a complex income story is enough to start.
Prefer to talk now? Call or text Chad: 858-353-8331.
Specific stories, not generic praise
A 4.94★ average across 333 verified reviews on Experience.com, Zillow, and Google. A sample below.
Chad and his team were exceptional. As a self-employed person I was skeptical we could get financing for our purchase, but Chad reassured us this was his specialty — and he was right. The whole process was efficient and straightforward, closing our loan in 21 days.
Self-Employed Buyer
Very smooth experience once we focused 100% on getting the DSCR loan as originally requested — no other complicated personal loan-doc items to overcome.
DSCR Loan
As a top-producing Realtor, working with a seasoned loan officer like Chad is a true game changer. Complexity that overwhelms others is handled with ease and expertise. Chad navigates even the most complex scenarios, always keeping the process smooth and solutions-oriented. I trust him completely with my clients.
Top-Producing Realtor
When it came down to the wire, Chad and his team had creative solutions to get the deal done. Highly recommend!
Verified Client
An amazing experience refinancing my home with Chad. From start to finish, his team made the entire process smooth, transparent, and stress-free. Chad went above and beyond to make sure I received the best rate and that everything stayed on track.
Refinance
Our second time working with Chad and his team, and once again they exceeded our expectations. They genuinely care and are incredibly responsive — every call and email answered promptly. Chad and his team, including Megan and Sam, made a stressful experience feel manageable.
Repeat Client
Meet your team
A small, senior, direct-lending team — you work with the people who actually structure and close your loan. Let's connect. We're fun, fast, and clear.
Questions, answered
What's a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you on the property's rental income — not your W-2s, tax returns, or DTI. If the rent covers the payment, the deal can pencil — and Scout shows you that DSCR on every for-sale home before you write an offer.
How fast can you close?
Our average close is 18 days. Because we're a direct lender, pre-approval can happen in about 24 hours and we control the timeline end to end.
Do you lend in my state?
We're licensed in 47 states. Tell us where you're buying and we'll confirm program availability for your scenario.
I'm self-employed or have complex income — can you help?
That's our specialty. We underwrite bank-statement, asset-utilization, 1099, and other non-traditional income — real income, not just a W-2 box.
Is this only for investors?
No. We fund first-time and move-up buyers too. And when you're ready to buy rentals, we're your go-to team.
What is Scout?
Scout is our free tool that pre-calculates DSCR on every for-sale property using the short- and long-term rent projections we lend against — so you only chase deals that actually work.