DSCR, Investment Property Loans

For Real Estate Investors

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Real Estate Loans Without The Hassle

Fast Qualification

  • Easier than traditional financing

  • Finance properties with very little documents

Leverage Cashflow

  • Leverage the properties income

  • Transfer appraisals

No W2 Income

  • Close in LLC

  • As low as 15% down

Our Accomplishments

223+

Number of Lenders

10,072+

1,657+

Loan officers

48

Licensed states

Meet Your Mortgage Expert

Rey Valentin

I believe finding the right mortgage shouldn’t feel like a one-size-fits-all process. That’s why I leverage my direct access to 223 lenders to bring you the most competitive loan options available—whether for residential, investor, or commercial financing.

After years of working with just one lender, I became frustrated with the limitations of pushing a single rate and product. Now, I put lenders in competition for your business, ensuring you get the best possible terms tailored to your specific needs.

Whether you're a first-time homebuyer, real estate investor, or business owner, I have the resources to customize loan solutions that work for you. From traditional financing to bank statement loans, DSCR loans, and creative funding solutions, I ensure you have access to the best mortgage programs in the nation.

My goal is simple: to make the lending process transparent, efficient, and stress-free—so you can focus on achieving your financial goals with confidence.

Residential, Investor, & Commercial Loans

Bank Statement & No-Income Verification Loans

Fluent in English & Spanish

TESTIMONIALS

What others are saying

"Loved everything so far"

Rey Valentin’s team made buying my first home smooth. Loved the personalized loan consulting! They really care about matching you with the right mortgage.

- Jasmine

"Saved so much money!"

Sought financing for a rental property, and this team delivered. Smooth process, no fuss. Satisfied with the investment loan options they provided. We were able to refinance from a hard money loan to a fixed rate and close in 2 weeks!

-Gino

"Highly recommend him"

Explored various lenders but Rey's Mortgage Team truly stood out. Their loan consulting clarifies everything, and the refinancing options offered real savings. Highly recommend.

- Richard

DSCR FAQ's

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investment loan that qualifies borrowers based on a property's rental income rather than their personal income. Lenders assess whether the property's cash flow is sufficient to cover the mortgage payment.

How is DSCR calculated?

DSCR is calculated by dividing the property’s Net Operating Income (NOI) by its total debt obligations. A DSCR of 1.0 means the property breaks even, while a ratio above 1.25 is often preferred by lenders.

Do I need to verify my personal income to qualify?

No, DSCR loans do not require personal income verification. Instead, lenders focus on the property's ability to generate sufficient rental income to cover the loan payments.

What is the min DSCR required to qualify?

Minimum DSCR requirements vary by lender, but many prefer a ratio of at least 1.0 to 1.25. Some lenders offer options for lower DSCRs, but this may come with higher interest rates or larger down payments.

Can I use a DSCR loan to buy short term or Airbnb rentals?

Yes, many DSCR loan programs allow financing for short-term rental properties. However, some lenders may use market rent projections instead of actual Airbnb income when calculating DSCR.

What are the typical down payments and credit score to qualify?

DSCR loans typically require a 20-25% down payment and a credit score of 640 or higher. Some lenders may offer lower down payments with higher interest rates or additional reserves.

Why are our rates so low?

We compare rates from 223 lenders in real-time for you. Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.

  • We shop multiple lenders on behalf of our clients

  • We negotiate the best pricing due to our volume of loans