DSCR Investor Loans in PhoenixBeing unable to grow your rental portfolio because your personal income or DTI is holding you back?
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Licensed Mortgage Loan Originator•NMLS #1455718
When You Need DSCR Investor Loans
You need a DSCR loan when you want to buy a rental property but a regular mortgage won't work. Maybe your tax returns show low income because of write-offs. Maybe you already own a few properties and you've hit your debt-to-income limit. Maybe you're self-employed and lenders keep asking for two years of returns you don't have time to gather. A DSCR loan solves all of that. Lenders look at the rent the property will bring in versus the loan payment, the debt-service coverage ratio that gives these loans their name. If the rent covers the payment with some cushion, you qualify. It works for single-family rentals, small multi-family, and short-term rentals like Airbnb. Investors use these loans to scale fast because there's no cap on how many you can have.
Our DSCR Investor Loans Process
Here's how we close your DSCR loan. First, send me the property address and basic deal terms. I'll pull a quick rent estimate and tell you if the numbers work, usually within an hour or two. If it pencils out, I'll send a pre-approval letter so you can put in an offer. Once you're under contract, we order the appraisal with a rent schedule. The lender uses that rent number to size the loan. You'll send a few documents, bank statements showing reserves, a credit pull, and a copy of the purchase contract. No tax returns, no pay stubs. Closing usually happens in 21 to 30 days. I tell you exactly what to expect each week so there are no surprises.
DSCR Investor Loans Cost in Phoenix
DSCR loan pricing depends on a few things: your credit score, the size of your down payment, the property type, and how strong the rent-to-payment ratio is. Higher DSCR ratios and bigger down payments get you better rates. I shop dozens of DSCR lenders to find the best fit for your deal. You'll know every fee, every rate, and every term up front in writing before you commit to anything. No hidden costs at closing. If a competitor beats my quote, I'll tell you, but they almost never do.
Why Choose Us
I close DSCR loans for investors all over Phoenix and across Arizona. Ten-plus years in the business, 60-plus five-star reviews, and a stack of repeat clients building real rental portfolios. Same-day response on every call or text. AI-powered document processing that cuts weeks off your closing. And I'll always tell you the truth, if a deal doesn't work, I'll say so and help you find one that does. Investing should be about building wealth, not chasing paperwork.
Consolidated our loans into one and result was a lower monthly rate. Worked out great for us.
Mark was very professional and fully understood his products and my needs. I had several questions and his follow-up was great. I would recommend him and your company for financial needs.
I have worked with Mark Fazio for years I would highly recommend him to be your loan officer whether you are purchasing or refinancing your home. He is very quick to respond and make sure his clients are taken care of. He will make sure you feel like you picked the right person to work with for your loan. Thanks Mark for being so awesome to work with!
Ready to Get Started?
Ready to fund your next rental deal? Call or text Mark at (480) 690-9790 and I'll run the numbers on your property today. Free quote, no obligation.
Reviewed by
Mark Fazio, Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a Phoenix mortgage broker with Barrett Financial Group (NMLS #1455718) with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.