Real Estate Investors · DSCR & Non-QM

Qualify on what the property earns. Not what you earn.

Your portfolio shouldn't be capped by your W-2 or your tax write-offs. DSCR (Debt Service Coverage Ratio) loans qualify you on the property's cash flow instead — no personal income documents required.

The Process

Fast, clean, and built around the deal — not your tax return.

Send the Deal

Submit the property details to my team. We will analyze purchase price, expected monthly rent, and estimated expenses, and run the DSCR analysis with your application. Once all the docs are in, we'll be able to tell you if it qualifies within 24 hours.

Structure the Loan

We choose the right program — DSCR, bank statement, or non-QM (loans underwritten outside standard income rules) — based on your situation. I explain every option clearly so you choose with full information.

Close and Scale

Fast close, clean process, no personal income docs required for DSCR. Once you close one deal with me, most investors come back for the next three.

DSCR Qualifier

Run the property before you run it by me.

See if your deal qualifies in under 60 seconds.

Expected Monthly Rent

Estimated Monthly Mortgage (P&I)

Rough estimate: ~$650/mo per $100K borrowed at 7%

Monthly Property Taxes

Monthly Insurance

Monthly HOA (optional)

≥ 1.25 — Strong · Favorable starting point

1.00 – 1.24 — Borderline · Structuring options available

< 1.00 — Below threshold · May need a different approach

Estimates only, not a commitment to lend. DSCR is one factor among several — credit, reserves, and property type also determine approval.

Explore all mortgage tools → /resources#calculators

Deal Analysis

Already running the Four Square? Do it here.

If you think in cash flow and cash-on-cash return, this is your tool. The Four Square Method — made famous by BiggerPockets — gives you the four numbers that determine if a deal is actually worth pursuing. Run it here, pull your PITI from Box 2, and plug it straight into the DSCR calculator above to see if the financing works. Two tools. One decision. No spreadsheet required.

Box 1 · Income

Property Type

Expected monthly rent

Parking, laundry, storage, etc.

Total Monthly Income

Box 2 · Expenses

Principal, interest, taxes, insurance (PITI)

Not sure? Run the DSCR calculator above first — pull this number from the monthly payment output.

Property Management (8–10% of rent)

Vacancy Allowance (5–8% of rent)

Repairs & Maintenance (5–10% of rent)

Other Monthly Expenses

Total Monthly Expenses

Box 3 · Monthly Cash Flow

Fill in Box 1 and Box 2 to see your monthly cash flow.

Box 4 · Cash-on-Cash Return

Your annual return on the actual cash you put in — not the property's full value.

Down Payment

Closing Costs (typically 2–5% of purchase price)

Rehab / Make-Ready Costs

Enter your cash invested and fill Boxes 1 & 2 to see your return.

All figures are estimates for analysis purposes only. Actual financing terms, rates, and qualifications are determined through the loan process.

Pull your monthly PITI from Box 2 and plug it into the DSCR calculator above to see if this deal qualifies for financing.

BRRRR Investors

The refinance at the end of your BRRRR is a loan I can structure.

Buy, Rehab, Rent, Refinance, Repeat. The cash-out refi in step 4 is where your capital gets recycled back into the next deal. That's a product I know well — and one I can move on fast.

"When things went downhill with the previous lender, Chezney was able to take over the loan file quickly and got my client cleared to close on their new home within a short timeframe. The best part for my buyer was that they were able to lock in a more competitive interest rate. I will definitely be referring all of my future clients to Chezney who are in need of a knowledgeable lender that can provide fantastic loan options."

Kent

Conventional Loan

Already own a home? See if a refi or cash-out makes sense → /refinance