DSCR Cash Flow Calculator
Determine if your property's cash flow qualifies for a Non-QM DSCR loan. A ratio of 1.0 or higher is typically required.
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AI Intake Assistant
Exploring Mixed-Use or Seniors 62+ Equity?
Did you know? If you are 62+ and own a mixed-use or investment property, a Home Equity Conversion Mortgage (HECM) might be a powerful alternative to free up capital without mandatory monthly payments.
Tell me how you prefer to communicate, and Billy will review your best path forward—whether that is a traditional Non-QM loan or a specialized HECM strategy.
Partner with an LO who actually understands real estate.
When you are scaling a portfolio, you need capital, not red tape. As an experienced landlord and a formerly licensed C7 contractor (CSLB #951450, expired 2025), I understand what makes a property perform. I speak the language of rehab costs, tenant dynamics, and cap rates. Let's structure the capital you need to acquire your next doors.
Billy Robles
- NMLS License: #2751970
- CSLB License: #951450
- Background: Contractor & Landlord
- Direct Line: (323) 393-5077
Non-QM Loan Programs
Capital designed specifically for real estate investors.
DSCR Purchase Loans
Acquire new investment properties without personal income verification. Qualify solely on the property's rental cash flow.
- No W-2s, pay stubs, or tax returns required
- Unlimited number of financed properties allowed
- Close directly in the name of an LLC or corporation
- Protect your personal Debt-to-Income (DTI) ratio
DSCR Cash-Out Refinance
Extract equity from your existing portfolio to fund renovations, acquire more doors, or increase liquidity.
- Leverage equity without verifying personal income
- Reinvest cash-out proceeds into new acquisitions
- Consolidate higher-interest debt on investment properties
- Improve overall portfolio cash-on-cash return
Short-Term Rental (Airbnb) DSCR
Specialized financing for short-term and vacation rentals, using AirDNA projections or historical operating income.
- Underwritten using short-term rental revenue projections
- Perfect for vacation markets and high-yield STR properties
- Scale your Airbnb/VRBO portfolio rapidly
- No limit on the number of STR properties you can finance
View State-Specific DSCR Guidelines
Loan limits, entity requirements, and reserve guidelines can vary by market. Select your state below.