INVESTOR LOANS.
Qualify on the property, not your tax returns.
Whether you're buying your first rental, flipping your tenth, or scaling a portfolio past the conventional wall, investor lending plays by different rules. The property's income does the qualifying, your LLC holds title, and there's no artificial cap on how many doors you own. I shop 140+ lenders carrying programs built for investors - and I pre-underwrite every file myself, so the approval holds up when you're racing a contract.
INVESTOR LENDING plays by its own rules.
Conventional underwriting caps you at 6–10 financed properties and qualifies you on your personal income and DTI. That wall stops serious investors cold.
Investor loans flip the logic:
- ✓The property's rental income qualifies the deal — not your W-2 or tax returns
- ✓You can close in an LLC and keep personal name off the loan
- ✓No property-count cap — scale past the conventional wall
- ✓Personal DTI stays out of the calculation entirely
- ✓Short-term-rental income (Airbnb) underwrites on the right programs
These are business-purpose and Non-QM programs — built for buyers, flippers, and portfolio operators that conventional was never designed to serve. My job is matching your deal to the lender that wants it most. If you also have W-2 or self-employed income to lean on, we can compare that against a Non-QM path too.
FOUR WAYS TO FINANCE. One for your strategy.
DSCR Loans
Qualify on the property's rental income, not yours. No W-2, no tax returns, no personal DTI calculation. Close in an LLC, and there's no limit on how many properties you own. Works for single-family rentals, multifamily, condos, and short-term rentals.
- ✓ Buy-and-hold investors at any scale
- ✓ Past the conventional 10-property limit
- ✓ BRRRR operators and LLC vesters
- ✓ Short-term / Airbnb rentals
Fix & Flip Loans
Short-term financing to buy, renovate, and sell. Funds the purchase plus a rehab budget, structured around the project timeline so your cash isn't tied up in the property. Built for active flippers moving deal to deal.
- ✓ House flippers
- ✓ Value-add renovation projects
- ✓ Investors who resell within months
Bridge Loans
Short-term financing that bridges the gap - close on the next property before the current one sells, or hold a deal while you line up permanent financing. Speed when timing is everything.
- ✓ Investors timing two transactions
- ✓ Quick-close opportunities
- ✓ Repositioning before a refinance
Portfolio / Blanket Loans
Finance multiple properties under a single loan, or roll a group of rentals into one blanket facility. Simplifies the paperwork and the payments as your portfolio grows past a handful of doors.
- ✓ Investors with multiple rentals
- ✓ Consolidating several loans
- ✓ Scaling a growing portfolio
Typical ranges shown. Actual terms depend on the lender, your file, and current guidelines. Fix & flip and bridge loans are business-purpose products.
DOES THIS PROPERTY cash-flow?
Drop in the rent, the property value, and the financing - we compute DSCR live, color-coded to your real-world threshold.
Run your deal.
Debt-Service Coverage Ratio = monthly rent ÷ total monthly debt service (PITI + HOA).
- StatusThis property cash-flows.
- Monthly P&I$1,835
- Total monthly debt service$2,310
- Monthly rent$2,500
DSCR requirements vary lender-to-lender. Most want 1.0+. Some go to 0.75 with higher down payment + reserves. Sub-1.0 ratios are doable with the right lender - I shop all of them.
A DSCR of 1.0 means the rent exactly covers the payment; most lenders want 1.0-1.25, but some programs go down to 0.75 with a bigger down payment. The number that matters is whether the deal pencils - and I'll tell you straight which lender's math works in your favor.
I WATCH YOUR WHOLE PORTFOLIO. Not just one loan.
When you build with me, I don't disappear after the first close. I track refinance and cash-out opportunities across every property you own - so the day it makes sense to pull equity and fund the next deal, you hear it from me first.
A huge share of investor refinances are cash-out plays: pulling equity out of one property to buy the next. Most investors miss the window because no one's watching. I am. Buy the deal now, let it season, and I'll catch the moment your equity is ready to go back to work.
"Your equity shouldn't sit still. I'll tell you when it's ready to move."
HOW AN INVESTOR FILE GOES.
Run the deal.
I pre-underwrite the property and the numbers the way a real underwriter will - we confirm it pencils before you're committed.
Match to lender.
140+ lenders, each with different appetites on DSCR, LTV, and property type; we pick the one that wants your deal most.
Close.
Investor files can close fast when timing matters - and then you go right on my portfolio rate-watch list for the next one.
"Jon is an amazing loan officer in Dallas - Fort Worth and surrounding areas. He's very diligent with clients. One client of mine had a difficult ITIN buyer file and Jon worked so hard and found him a loan even after other loan officers gave up on him. I have another buyer that was looking to purchase a mobile home that had been moved, as investment property and Jon found a lender for them too. Jon really takes helping people very much to heart and never seems to give up on striving to find solutions for people!"
Enyinna O (Realtor) Dallas Fort Worth TX
"Jon was great. He made the whole process simple and painless. He always went above and beyond and had my best interest in mind. You can tell he cares not only about taking care of business but also building a trusted relationship with his clients. I knew I was in good hands throughout the whole process and couldn't be happier. Thank you Jon!"
- - Sonny W, TX
"I've worked with Jon in the past and he brings a lot of expertise and devotion to the table for his borrowers. I would highly recommend working with Jon, you will be in good hands!"
- - Zak W, MN
INVESTOR LOANS, ANSWERED.
A DSCR (Debt Service Coverage Ratio) loan qualifies on the property's rental income instead of your personal income, tax returns, or DTI. The lender divides the gross rent by the full payment (principal, interest, taxes, insurance, HOA) - a 1.0 ratio means rent exactly covers the payment. It's the workhorse loan for buy-and-hold investors.
Yes. Most investor programs - DSCR, portfolio, fix & flip, bridge - allow LLC or other entity vesting. That keeps the property in your business structure and your personal name off the loan, which is how most serious investors scale.
Not on DSCR and portfolio loans. Conventional financing caps you at 6-10 financed properties - that's the wall that stops growing investors. Investor loans don't have that cap, so you can keep scaling.
It varies by program. DSCR typically wants 620+ (some lenders 660+) and 20-25% down. Fix & flip and bridge depend on the project, experience, and exit. I'll match your file to the lender whose requirements fit you best.
Yes. Several DSCR programs underwrite short-term rental income - but the methodology matters. Some lenders understate Airbnb cash flow by using long-term rent comps. I know which lenders underwrite STR income correctly so your deal doesn't get denied for the wrong reason.
Fix & flip funds the purchase plus a rehab budget for a property you'll renovate and resell. Bridge financing covers a timing gap - buying before you sell, or holding a deal until permanent financing is in place. Both are short-term, business-purpose loans.
Yes - a cash-out refinance on a property you own lets you pull equity to fund the next deal. It's one of the most common investor moves, and it's exactly the kind of opportunity I watch for you across your whole portfolio.
Yes - for as long as you own them, at no cost. It's one of my pillars of service. The day a refinance or cash-out makes sense on any property in your portfolio, I bring it to you, so your equity never sits still while you're not looking.
Investor files can move fast when timing matters - I pre-underwrite the deal myself so problems get caught early, not days before closing. Exact timelines depend on the program and the property.
On consumer mortgage transactions I'm paid by the lender, not by you, and every dollar is disclosed on your loan estimate the day we lock. I'll always lay out the cost structure for any program up front - no surprises.
Let's talk.
Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes and document submission, if turned in before 12pm. I'll have a pre-approval letter in your inbox tomorrow morning.
Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026