INVESTOR LOANS · DSCR · QUALIFY ON THE RENT
Investor financing that qualifies on the deal, not your W-2. DSCR and bank-statement loans let you scale without drowning in tax-return paperwork.
I'm Brighton Truax, a broker, not a banker. Investors get boxed out by conventional underwriting all the time. My Non-QM and DSCR lenders look at the property's cash flow, so a strong deal can stand on its own. Bring me the numbers and let's make it work.
These programs are built for cash flow and scale, not for fitting your life into a W-2 box.
DSCR loans qualify based on the property's rental income versus its payment, not your personal tax returns.
Many programs skip W-2s, 1040s, and employment verification entirely. The deal does the talking.
Vest title in your LLC to keep investments separate and protect your personal balance sheet.
No hard cap on the number of financed properties like conventional. Keep adding doors as the numbers work.
Self-employed? Qualify off 12 to 24 months of bank deposits instead of tax returns that understate your income.
Use it to acquire new rentals or pull equity out of ones you already own to fund the next deal.
If any of these sound like you, we should talk.
Growing a rental portfolio and tired of conventional caps and paperwork? DSCR is your friend.
Write-offs make your tax returns look lean? Bank-statement loans qualify you on real cash flow.
Financing Airbnb and vacation rentals where conventional lenders get nervous.
Already own a few doors and want to keep going without hitting a lender wall.
Send me the address and the rents. I'll run a quick DSCR scenario and tell you what's possible.
Different deals call for different tools. Here's the lineup.
Approval is based on the property's debt-service coverage ratio, its rent versus its payment. No personal income docs.
Qualify using 12 to 24 months of bank deposits instead of tax returns, ideal for business owners and 1099 earners.
Use your liquid assets to qualify when traditional income documentation doesn't tell your full story.
Plug in the deal and the market rents to see your debt-service coverage ratio. Then jump to live pricing for a real rate.
Use the appraiser's 1007 market rent, not what tenants currently pay. Occupancy does not need to be 100%.
For DSCR loans, the qualifying rent typically comes from the appraiser's Form 1007 Single-Family Comparable Rent Schedule, not the rent you are currently collecting. That often works in your favor.
The property does not need to be 100% occupied to qualify. We can use the market rent survey even on a vacant or partially rented unit.
Estimates for planning only. Not a rate quote or a commitment to lend. Actual DSCR, pricing, and terms depend on the lender, your credit, the property, and a completed appraisal.
Tell me the property and the rents and I'll help you figure out if a DSCR loan pencils. No tax returns, no runaround.
Start your application in minutes, or reach out and we'll walk through it together. Clients are friends here. There's no pressure, just answers.
START MY VA APPLICATIONGET IN TOUCH
Take the first step toward financing that works for you.