Are you the lender?
No. dscr.broker is a broker / investor loan desk. We package and shop business-purpose files to capital sources. We do not fund loans.
Is this a commitment to lend?
No. Nothing on this site is a commitment to lend, a credit decision, or a lock. Those sit with the capital source.
Can I use this for a primary residence?
No. This desk is business-purpose / non-owner-occupied only.
What happens on the 30-minute call?
We review the deal, the occupancy, and whether a program we can broker is even in range. If it is, we list the next documents.
Does the calculator decide anything?
No. It computes lender DSCR (rent ÷ PITIA) and an investor cash-flow view for orientation. It is not a credit decision, a lock, or a quote.
Do you publish rates here?
No. Pricing is deal-specific and set by the capital source, not by a page on this site.
What is your license number?
GI Realty LLC, a California Real Estate Broker — CA DRE Lic# 01311868
How is lender DSCR calculated?
Lender DSCR is Gross Monthly Rent ÷ Monthly PITIA (or ITIA if interest-only). Investor cash flow is a separate labeled view and never mixed into that ratio. Run it on /calculator.
Can the loan close in an LLC?
Often yes on business-purpose investor files. Vesting, the operating agreement, EIN, and who can sign have to match. We are not your formation attorney.
Do you work short-term rentals?
Yes, as business-purpose / non-owner-occupied files. Income method and local / HOA rules are the first filters. The calculator STR toggle marks rent as a projection.
Can this be a refinance or cash-out on a rental I already hold?
Some capital sources will look at refinance or cash-out on non-owner-occupied, business-purpose property. Occupancy and use still have to be investment. Nothing here is a cash-out decision.
What should I bring to the call?
Address, unit mix, in-place or expected rent, estimated PITIA, entity vs. personal vest, and the hold plan. Enough to desk — not a full credit package.
Common objections
These are the ones we hear on the desk. Direct answers. Not a credit decision.
My DTI will not clear a conventional file.
Then this is probably an asset conversation, not a personal DTI conversation. DSCR desks the property’s rent against PITIA. That does not mean every deal clears, and it is not a path for a primary residence.
I do not want the file underwritten off my tax returns.
Many business-purpose DSCR programs are built around the asset, not a 1040 recreation of the borrower. Capital sources still review identity, credit, and reserves. We do not promise a no-doc file.
I buy and hold in an LLC.
That is normal on this desk. The stall is a mismatch: property in the LLC, borrower talking as if it is personal, or an operating agreement that does not name the people who will sign.
It is an Airbnb / short-term rental.
Short-term can still be a business-purpose investor file. How income is documented and whether local or HOA rules allow the use are the first questions — not a nightly-rate fantasy.
The calculator came in under 1.25.
That is a worksheet, not a decline. Some programs look below 1.25; others do not. Higher rent, a lower price or payment, or a different hold plan are the levers. Book the call if you want the file mapped.
Just tell me the rate.
We do not publish rates here. Pricing is set by the capital source on a specific file. The calculator rate field is your estimate — not a quote from this desk.
I am on my first rental.
First deal vs. tenth deal changes overlays, not the occupancy rule. We will say if experience is likely to bind. A web form does not decide that.