Investment Property Loans Based on Rental Income, Not Yours.
Qualify based entirely on property cash flow. Whether buying your first rental property or expanding an extensive portfolio, unlock fast capital without personal tax return hurdles.
1. Investment & Scenario
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on a property’s rental income relative to its debt obligations — bypassing personal income tax returns and W-2 verification.
No Personal Income Docs
Zero tax returns, pay stubs, or W-2 requirements. Qualification relies strictly on the property's gross monthly rent revenue.
Scale Without Limits
Conventional loan caps (such as 10 mortgaged properties) do not apply here. Scale your portfolio infinitely as long as cash flows work.
Streamlined 21-Day Closing
Without tedious personal underwriting, approvals move fast. Close deals in as few as 21 days to win competitive offers.
Diverse Property Types
Finance single-family rentals, 2-4 units, multi-family (5+ units), condos, townhomes, and short-term Airbnb/VRBO properties.
Competitive Investor Rates
Attractive long-term fixed rates or interest-only payment structures engineered to maximize net investor cash flow.
LLC & Corporate Vesting
Protect your personal assets by closing directly under an LLC, Corporation, Partnership, or Trust name.
Flexible Loan Programs for Every Strategy
Tailored LTV limits and cash-out options designed for acquisitions, refinancing, and portfolio optimization.
Purchase
Acquire single-family homes, multi-units, or short-term vacation rentals with rental income-based underwriting.
Rate & Term Refinance
Lower your current interest rate, adjust terms, or switch from short-term hard money into 30-year fixed DSCR debt.
Cash-Out Refinance
Tap into accumulated property equity to fund your next acquisition, renovation, or 1031 exchange replacement property.
From Application to Funding in 5 Steps
Quick Quote
Submit basic property rent & value figures via our online calculator.
Rent Survey
Independent appraisal & Form 1007 market rent survey ordered.
Underwrite
Property rental cash flow and DSCR ratio verified.
Clear to Close
Final approval with minimal standard title & entity conditions.
Funding
Receive capital directly into your account or escrow.
Kurt Kessler
NMLS #365130 • Mortgage Broker Specialist
Barrett Financial Group (NMLS #181106)
Meet Kurt Kessler
"I am a committed educator and advocate for the families, investors, and partners that I serve. I owe my best, always. I love helping my clients find the mortgage option that best fits their needs, keeping in mind their short- and long-term goals."
With over 30 years of real estate experience, Kurt has assisted thousands of homeowners and investors through complex mortgage deals, 1031 exchanges, and multi-property portfolio expansions.
What Clients Say
Ready to Finance Your Next Investment Property?
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