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Tell us about your deal
Share the property, your loan purpose, and the numbers you know. You do not need a perfect package to start the conversation.
A clear path forward
How it works
We specialize in Residential DSCR and Commercial DSCR loans for real estate investors. Start with the deal you are considering and we will explain the path to funding in plain English.
Powered by Iron Oak Lending | Dallas, Texas
Review loan programs Start with your deal
Pre-qualification is a preliminary inquiry only — it is not an approval, pre-approval, rate quote or commitment to lend.
One step at a time
Know what happens next.
“Let the DSCR Doctors Diagnose your Deal.”
How the DSCR ratio works
A simple check on rent versus the payment.
DSCR means debt-service coverage ratio. In plain English, a lender compares the property’s monthly rent with its total monthly payment. Use the calculator to get a quick sense of the coverage before you talk through the deal.
Open the standalone calculator02
Get your quote and terms
We review the deal and walk you through the likely loan amount, rate, fees, and next steps. You will know what the numbers mean before deciding.
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Appraisal and underwriting
The property is reviewed and the loan moves through underwriting. We keep you updated and explain any document request in plain English.
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Close and fund
Once the final details are approved, you sign, close, and receive your funds. We stay involved through the finish line.
Questions, answered
A few things investors ask us early.
What is a DSCR loan?
A DSCR loan is an investment-property loan that focuses on the property’s rental income and expenses. It is designed for investors, not owner-occupied homes.
What is a DSCR ratio, and what ratio do you look for?
The DSCR ratio is the property’s monthly rent divided by its monthly mortgage payment. Many programs start around 1.0, but the target depends on the property, loan type, and terms. We will tell you the actual target for your deal.
Do you check my personal income or tax returns?
Usually, DSCR qualification centers on the property rather than traditional personal-income or tax-return underwriting. We will explain any personal documentation your specific situation requires.
Can I use projected or Airbnb rent?
Potentially. Short-term rentals and projected rent can be part of the conversation, but the documentation and rules vary by property and program. We will tell you what can be used before you move forward.
Do you lend to LLCs?
Yes, investor loans can often be made to an LLC. We will review the entity and ownership details as part of the application.
What are typical rates and fees?
Rates and fees depend on the property, loan purpose, leverage, credit profile, and current market. Your quote will lay out the important costs clearly so you can compare the full picture.
How long does closing take?
Timing depends on the property and how quickly the appraisal and documents come together. We will give you a realistic timeline for your deal and keep you posted if anything changes.
Ready to talk it through?
Bring us the deal. We will help with the next step.
Get Pre-Qualified
Pre-qualification is a preliminary inquiry only — it is not an approval, pre-approval, rate quote or commitment to lend.