DSCR Loans for Real Estate Investors

With Tony McConnell at The Mortgage Krew, DSCR (Debt Service Coverage Ratio) loans provide a highly effective financing solution for real estate investors across California. Unlike traditional mortgages, DSCR loans are designed to qualify borrowers based on the income generated by the investment property rather than the borrower’s personal income.
Contact Us

Qualify Based on Property Cash Flow

With Tony McConnell at The Mortgage Krew, DSCR loans are focused on the property’s ability to generate enough rental income to cover the mortgage payment. Instead of personal income verification, lenders evaluate the debt service coverage ratio to ensure the property can sustain itself financially. This method benefits self-employed investors who may have substantial business deductions or fluctuating personal income. With Tony McConnell at The Mortgage Krew, we help you calculate projected rental income accurately, present reliable property cash flow documentation to lenders, and structure your loan application for the highest chance of approval.
Explore More

Ideal for Self-Employed & Investor Borrowers

With Tony McConnell at The Mortgage Krew, DSCR loans are uniquely suited for self-employed borrowers, independent professionals, and seasoned real estate investors who want to leverage property income rather than their personal earnings. These loans provide flexibility for single-family rentals, multi-unit properties, short-term rentals, and investment portfolios. Whether you are purchasing your first rental property or expanding an existing portfolio, Tony McConnell at The Mortgage Krew ensures the loan program is tailored to your investment strategy. Our expertise in DSCR loans enables borrowers to maximize financing opportunities without unnecessary hurdles or restrictive underwriting requirements.
Explore More

Benefits of DSCR Loans

_______

No Personal Income Verification Qualify based on property rental income rather than personal tax returns or W-2s.

_______

Investor-Friendly Financing Ideal for single-family rentals, short-term rentals, and multi-property portfolios.

_______

Scalable Loan Structure Finance multiple investment properties without being limited by personal income.

_______

Faster, Simpler Approvals Reduced documentation requirements mean quicker underwriting and closings.
get personalized Loan options

Flexible Terms with Competitive Options

With Tony McConnell at The Mortgage Krew, DSCR loans offer a wide variety of terms to meet your investment goals. Borrowers can choose between fixed-rate or adjustable-rate options, multiple loan terms, and financing structures that accommodate single or multiple properties. This flexibility allows investors to align their mortgage with their cash flow, growth strategy, and long-term financial planning. With Tony McConnell at The Mortgage Krew, each loan is customized based on property type, rental projections, and investment objectives to ensure maximum efficiency and profitability.
Explore More

Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

talk to a loan specialist

Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

talk to a loan specialist

"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Faster Closings

With Tony McConnell at The Mortgage Krew, DSCR loans are designed to simplify the mortgage process and reduce delays. Because these loans do not rely heavily on personal income documentation, underwriting can proceed quickly, helping investors secure financing faster than traditional mortgage programs. Tony McConnell at The Mortgage Krew works closely with borrowers to gather accurate property information, streamline documentation, and anticipate lender requirements, ensuring that your DSCR loan closes efficiently. This speed and efficiency can be critical in competitive real estate markets, allowing self-employed investors to act quickly and confidently.