Read the file the way a desk reads it.
Operator notes on DSCR, occupancy, entity, and STR. No rate shopping. No retail refinance copy.
States
- Texas
DSCR loans for Texas investors
Business-purpose DSCR for Texas rental property. Broker, not a lender. The desk shops files in states where capital sources do not require a residential mortgage license. Book a 30-minute strategy call.
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- Florida
DSCR loans for Florida investors
Business-purpose DSCR for Florida rental property. Many desks want LLC or entity vesting. Short-term rental is a real Florida use case. Broker, not a lender. Book a 30-minute strategy call.
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Desk notes
What is DSCR?
Lender DSCR is rent ÷ PITIA. How the ratio is used, what it is not, and how it differs from investor cash flow.
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DSCR vs. conventional
When the asset carries the file, when conventional or bank-statement still fits, and what changes on occupancy and income.
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Typical requirements
Occupancy, entity, reserves, property types, credit and experience — a working list, not a program matrix.
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Short-term rentals
Airbnb and mid-term rentals on a DSCR file: income method, local rules, and how to run the worksheet.
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LLC and entity title
Closing in an LLC: vesting, operating agreements, EIN, and the mismatches that stall a file.
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FAQ
Direct answers and common objections. Broker, not a lender. Business-purpose only.
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Book a 30-minute strategy call
Bring the address, the rent roll, and the hold plan. We desk investor loans. We do not fund them.
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