For real estate investors and self-employed borrowers

Debt Service Coverage Ratio (DSCR) Mortgage for Real Estate Investors

Get approved based on your property’s rental income — not your personal tax returns.

Takes less than 30 seconds. No credit pull. No obligation.

The right lender makes all the difference.

We work with lenders like Blue Point Mortgage and newrez who specialize in DSCR loans — so you can qualify based on your property’s rental income, not your tax returns.

If you’re a real estate investor or self-employed buyer, you already know the challenges that come with traditional mortgages. We get it. Most banks don’t understand how your business works.

They want pay stubs. W-2s. Tax returns. And if you don’t fit in their box, they say no. That’s where we come in. We work with a network of lenders who look at your property’s cash flow — not your personal income.

If the numbers work, you’ve got options. Whether you’re refinancing, buying your next rental, or building your portfolio, we’ll help you explore real solutions that fit how you earn.
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— Shellie Galindo, NMLS #805986

(1)
No tax returns or W-2s required. Secure financing based on rental income.
(2)
No personal income documentation required.
(3)
FICO’s as low as 620.
(4)
Loan to Value (LTV) up to 80%

How It Works...

Answer a Few Questions

Answer a few quick questions to tell us about your goals and finance setup.

Book a Free Call with Shellie

You’ll get a no-pressure consultation and a custom mortgage cost net sheet — built just for your situation.

See Your Options With Clarity

On the call, Shellie (a licensed mortgage expert) will walk you through real numbers, real rates, and what to expect.

Trusted by Top Lenders. Built for Borrowers who Want Options.

As a mortgage broker, we work directly with wholesale lenders like UWM, BluePoint, Flagstar, and more — so you get access to multiple loan programs, not just one.

That means better pricing, more flexibility, and solutions that actually fit your goals.