Mortgage programs for the way you actually earn and invest
Compare the programs we structure most often, then use our data-backed DSCR market guides where location changes the deal.
5 senior bankers · 47 statesA location and loan name still do not tell the whole story.
A senior banker will connect the state rules, property, income, and timeline before steering you toward a program.
DSCR loans →
Qualify on the property's rental cash flow — not your W-2.
The team is licensed in 47 states. Start with the program guide; we’ll confirm the property, state rules, and exact fit before you apply.
Featured DSCR market guides
Bank Statement loans →
For self-employed borrowers — qualify on deposits, not tax returns.
The team is licensed in 47 states. Start with the program guide; we’ll confirm the property, state rules, and exact fit before you apply.
FHA loans →
Low down payment and flexible credit — a popular first-home path.
The team is licensed in 47 states. Start with the program guide; we’ll confirm the property, state rules, and exact fit before you apply.
VA loans →
Zero down for eligible veterans and service members.
The team is licensed in 47 states. Start with the program guide; we’ll confirm the property, state rules, and exact fit before you apply.
See the active properties behind the DSCR path.
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.
$280,000 — 2-bed condo in Sunny Isles Beach, FL
DSCR 1.31 (debt-service coverage ratio)Condo · 2 bed · 2 bath · 894 sqft
- Projected STR revenue
- $50,900–$64,700/yr
See the market data for this metro
Scout this home & market: 2-bed condo in Sunny Isles Beach, FLListed by Coldwell Banker Realty
$240,000 — 4-bed house in Lubbock, TX
DSCR 1.22 (debt-service coverage ratio)House · 4 bed · 4 bath · 4,360 sqft
- Projected STR revenue
- $24,400–$31,000/yr
See the market data for this metro
Scout this home & market: 4-bed house in Lubbock, TXListed by Chanda White Real Estate
$375,000 — 2-bed house in Mesa, AZ
DSCR 1.21 (debt-service coverage ratio)House · 2 bed · 2 bath · 1,782 sqft
- Projected STR revenue
- $36,100–$45,900/yr
See the market data for this metro
Scout this home & market: 2-bed house in Mesa, AZListed by Real Broker
Start with the goal and the constraint.
We’ll match the scenario to the right program and explain why.
Prefer to talk now? Call or text Chad: 858-353-8331.