Investment lending has its own rules: different down payments, rate adjustments, and rental income qualifications. Tina helps investors finance rentals and multi-units with a structure that protects cash flow and supports long-term strategy.
Financing for 1–4 unit, multi-family, 5 – 8 units, 9+ unit commercial residential. DSCR also provides rate and term or cash out 2nd mortgages as well.
Rental income qualifying: 1 to 1 ratio, under 1 ratio and “true” no ratio loan terms. On cash out we can go as high as 75% LTV with a .75% ratio… TINA WORKS DSCR MAGIC!
Down payment and reserve planning
Portfolio growth and refinance strategy
Who it’s for: New and experienced investors building rental income across the country.
Imagine $60,000 spread across credit cards and a line of credit at an average 22% interest. The minimum payments alone can run well over $1,500 a month — and most of it never touches the principal. Folded into a refinance at a typical mortgage rate, that same balance can cost a few hundred dollars a month instead, freeing up cash flow immediately.
Replace your current mortgage with a new, larger one (up to 80% of your home’s value) and use the difference to clear your debts.
Flexible, revolving access to your equity — pay down and re-borrow as needed.
Keep your great first-mortgage rate untouched and add a separate loan against your equity — useful when breaking your current term isn’t worth it.
DSCR (Debt Service Coverage Ratio) measures whether your rental income covers your loan payment. A DSCR of 1.25 means the rental income is 25% higher than your payment. With DSCR loans from 1.25 all the way down to true no ratio we can make almost every investment work. We also allow cash out to 75% LTV down to .75% ratio… I structure financing so your numbers pencil out.
Yes, lenders check your personal credit, but the emphasis is on property cash flow. A property with strong income can qualify even if personal credit isn’t perfect, depending on the lender. I know which lenders are flexible with credit if cash flow is solid.
Projected rental income from the property you are buying can directly help you qualify for your mortgage by offsetting the new housing payment. Lenders typically calculate this qualifying income using a 75% factoring rule to account for potential vacancies and maintenance costs. I verify these numbers are realistic so lenders approve without question.
Owner-occupied mortgages have lower rates and easier qualification because the property is your primary residence. Investment property loans carry higher rates to offset lender risk. Terms vary—typically 20-30 year amortizations—and require minimum cash reserves.
Lenders use a standard formula to calculate projected rental income on multi-unit properties to ensure a realistic assessment of cash flow. If you are buying a 2-to-4 unit property, the income generated from the other units can be used to help you qualify for the mortgage.
