DSCR Loans for Real Estate Investors in Utah
Qualify on what the property earns — not what you earn. Skip personal tax returns and expand your portfolio seamlessly.
The Venice Investor Framework
Traditional home underwriting processes are slow and burdensome. They want to check your pay stubs, investigate your personal tax deductions, and restrict your growth.
My signature **DSCR Investor Loan Program** removes W-2s and employment audits from the equation entirely. I evaluate the specific investment property's cash flow (the Debt Service Coverage Ratio) to determine borrowing eligibility.
Venice Program Parameters:
Fund premier property acquisitions with standard coverage ratios (DSCR >= 1.0). Scale to $3M for DSCR < 1.0.
I offer customized parameters with zero minimum DSCR requirement (under specific asset conditions).
Close in LLC entity names, allow short-term rentals (Airbnb/VRBO), and support Foreign National investors.
Cash-out up to 75% LTV (which can count towards your reserves!), gift funds allowed after 10% borrower funds, and first-time investor programs up to 75% LTV.
How It's Calculated
A Simple Example:
"If a property rents for $2,500/month and the mortgage payment (including Principal, Interest, Taxes, Insurance, and HOA) is $2,000/month, your DSCR is 1.25 — well above the standard 1.0 threshold. Even below 1.0 can work."
Eligible Property Tiers:
Single-family residences (SFR), townhomes, warrantable and non-warrantable condos, multi-unit properties (2-4 units), and short-term rentals.
Rate structures:
Choose from 30-year fixed, 5/6 and 7/6 SOFR adjustable-rate mortgages (ARMs), with premium interest-only options to maximize your immediate cash flow.
Frequently Asked Questions
Do I need to show my personal income or tax returns?
No, never. I do not look at your pay stubs, W-2s, or tax returns. Your personal debt-to-income (DTI) ratio is completely ignored. Qualifying is based strictly on the property's rental cash flow.
Can I close the loan in an LLC?
Absolutely. In fact, most of my real estate investors choose to close under an LLC to protect their personal assets. I make the entity approval process fast and simple.
Does Airbnb or short-term rental income count?
Yes. Short-term rentals (Airbnb, VRBO) are fully eligible. I use historical rental data or custom market analyses to verify your cash flow, rather than requiring standard long-term leases.
What credit score do I need?
I have flexible investor tiers with programs accommodating credit scores down to a 620 FICO. The best rates and loan-to-value ratios unlock at 700+.
How many properties can I finance?
There are no limits to how many properties you can finance. Whether you are buying your first duplex or scaling a massive portfolio, I have the capital capacity to fund your growth.
Let's Fund Your Next Venture
Ditch traditional underwriting. Work directly with Utah's premier Non-QM broker to unlock fast investor capital.