DSCR Investment Property
Financing
Investor financing by focusing on the property’s qualifying rental income and projected debt service.
A Lender Who Understands Real Estate Investor Financing
TheWorkingBanker is the personal marketing brand of Greg Gibson, Loan Originator with NOLA Lending Group. All mortgage lending services are provided through NOLA Lending Group, a division of First Federal Bank NMLS #2866113. Equal Housing Lender. This site is for informational purposes only and does not constitute a loan approval, loan commitment, or offer to lend. All loans are subject to credit approval, underwriting guidelines, program availability, and applicable disclosures.
A Debt Service Coverage Ratio loan focuses primarily on a property’s qualifying rental income rather than relying primarily on the borrower’s personal employment income. This approach may benefit investors with multiple properties, variable income, business income, or tax returns that do not fully reflect available cash flow.
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What May Qualify:
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Single-family rental properties
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Eligible two-to-four-unit residential properties
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Certain condominium investment units
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Qualifying long-term rental properties
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Short-term rentals when permitted by the program
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Purchase transactions
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Rate-and-term or cash-out refinancing
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DSCR loans are for investment properties and are not intended for owner-occupied homes.
A Reliable Mortgage Lender for Real Estate Investors
An Investor’s Approach to Real Estate Financing
Before becoming a mortgage loan originator, I spent more than 20 years buying, financing, renovating, developing, and managing real estate. I understand that investors evaluate property based on cash flow, debt service, operating costs, risk, and long-term value.
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As The Working Banker, I review the financing in the context of the investment. I help work through the property’s projected rent, proposed payment, reserves, appraisal, ownership structure, and other details that may affect the transaction. My background helps me understand the practical questions investors ask before committing to a property.
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If you are purchasing or refinancing a rental property, contact The Working Banker to review the financing options available for your investment.
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TheWorkingBanker is the personal marketing brand of Greg Gibson, Loan Originator with NOLA Lending Group. All mortgage lending services are provided through NOLA Lending Group, a division of First Federal Bank NMLS #2866113. Equal Housing Lender. This site is for informational purposes only and does not constitute a loan approval, loan commitment, or offer to lend. All loans are subject to credit approval, underwriting guidelines, program availability, and applicable disclosures.