DSCR Investment Property Mortgage Loans

DSCR Loans – Qualify Based on Market Rents

  • Loan Amounts $200K to $3 Million
  • Up to 80% LTV no PMI
  • Financing Available in Most States
  • Property Cash Flow
  • No Landlord Experience Needed
  • Single Family, 2-8 Unit Multi-Family, Condos, Town Homes

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(Investment Property only, not for Primary Residence)

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Why Mortgage Pros

Mortgage Pros is an award winning mortgage company committed to excellent strategies and an extraordinary mortgage experience. Mortgage lending is all we do, all day, every day! We’re here to help you in every way!

Call today for a free consultation – (512) 694-6847

LOAN on wooden blocks with wooden homes

Investment Property Loans

Call Mortgage Pros at (512) 694-6847

  • Qualify based on Market Rents, Long Term or Short Term
  • Property Cash Flow
  • No Debt to Income Ratios Available – No Income Documents
  • No Landlord Experience Needed
  • Loans Amounts $200K to $3 Million
  • Up to 80% LTV no PMI
  • Option to Vest in LLC
  • Financing Available in Most States
  • 30 Year Fixed, Adjustable Rates
  • Interest Only Available
  • No Pre Payment Options
  • No Income or Employment Needed
  • Most Competitive Rates and Lower Closing Costs
  • Single Family, 2-8 Unit Multi-Family, Condos, Town homes
  • Commercial Properties
GET APPROVED

About Mindy

Mindy Bakker

Broker & CEO of Mortgage Pros.
Loan Consultant
6500 River Place Blvd Suite 250 Bldg 7
Austin, Texas 78730
Cell: (512) 694-6847
Office: (512) 346-7767
[email protected]
NMLS: #283087
Mortgage Pros Inc. NMLS: #283288

Professionalism, quality and reliability coupled with a personal touch serve as the cornerstone of my business. With over 30 years of comprehensive mortgage experience in processing, underwriting and originating, my experience, expertise, and in my clients words, “brilliant creativity” set me apart from my contemporaries. I really do love what I do and I am so grateful to my partners in the community, my amazing Mortgage Pros team, and my friends and family who trust and support me in being the best I can be in my career and my life.

I serve as CEO and Founder of Mortgage Pros, Co founder of Women of Hope for Austin Children’s Shelter, Founding Mom for KHOPE, member of Women of Trust for Dell Children’s, happily support many other charities, my community, and the communities I serve.

Testimonials

We will recommend Mortgage Pros and Mindy Bakker to everyone we know. Very professional and knowledgeable and super friendly and responsive. Customers for life!

Brian L.

Mindy Bakker was simply the best. She is so great at what she does and the best loan officer we have ever worked with. She made it happen when three other mortgage companies could not! Mindy had the experience, expertise and confidence to present our super jumbo file for approval and saved us so much money with a better rate and less closing costs. We are so grateful and will recommend Mindy at every opportunity!

John W.

It was a real pleasure doing business with Mortgage Pros. Mindy and her team did a great job for us and we will always recommend them to our friends and family. Superior customer service and the best rates!

Thomas D.

Frequently Asked Questions

What is a DSCR loan?

DSCR stands for Debt Service Coverage Ratio.  A DSCR loan is a non – QM  (non-qualified mortgage) designed specifically for investment properties. DSCR lets you qualify based on the property’s rental income, not your personal income. Qualify with no tax returns, W-2s, or jumping through traditional income hoops. DSCR loans have no debt-to-income caps to hold you back from building your portfolio.

What are the requirements for a DSCR loan?

Typically, Minimum 20% down payment. If ratios work, as low as a 15% down payment on SFR purchases.
A 640 credit score will qualify you for most scenarios, but not all.
A property that generates (or can generate) rental income.

How long does it take to get a DSCR loan?

Pretty quick!
You can apply in about 10 minutes over the phone, and many investors close in as little as 14 days when everything lines up.
That’s the difference between winning and missing a deal.

Do I need prior experience as a landlord or real estate investor to qualify?

Not necessarily. While experience can positively influence terms on complex deals, DSCR loans are fundamentally evaluated on the deal itself, the property’s income, location, and DSCR ratio. First-time investors with a well-selected property in a strong rental market can qualify. When purchasing, its good to bring a clear understanding of your local rental comps. Your Realtor can help with that!