A DSCR loan is tailored for real estate investors. Rather than focusing on personal income or job history, approval is determined by the property’s Debt Service Coverage Ratio (DSCR), which measures whether rental income can cover the mortgage payments.
A DSCR loan is tailored for real estate investors. Rather than focusing on personal income or job history, approval is determined by the property’s Debt Service Coverage Ratio (DSCR), which measures whether rental income can cover the mortgage payments. How DSCR is Calculated: • DSCR = Net Operating Income (NOI) ÷ Debt Obligations (Mortgage + Taxes + Insurance) • A DSCR of 1.0 shows that the property produces exactly enough rental income to meet the mortgage payment. • Lenders usually prefer a DSCR of 1.25 or above, as it indicates the property generates 25% more income than its expenses. In simple terms, the stronger the rental income relative to expenses, the better your chances of securing financing.
DSCR Loans are a specialized product, and not every loan officer understands how to structure them properly. That’s why having a trusted partner like Carlos Almira is essential. Expanded Reasons to Work with Carlos Almira: • DSCR Loan expertise – Carlos has in-depth knowledge of investment lending, helping you maximize approval chances. • Local market insights – By understanding Raleigh rental market, you can make investment choices that align with the city’s growth trends. • Tailored solutions – Every investor’s strategy is unique. Carlos helps design loan solutions that support both immediate and long-term goals. • Streamlined process – Minimized paperwork and efficient communication make the experience smooth. • Commitment to investors – Carlos is passionate about helping investors achieve financial freedom through smart financing.
Choosing the right mortgage partner can make all the difference in your financial journey. With Carlos Almira – Mortgage Loan Originator, you gain more than just access to loan programs—you gain a trusted advisor who is committed to your success. We believe every client deserves personalized guidance, transparent communication, and flexible solutions that fit their unique goals.
Personalized Loan Solutions
Clear and Transparent Process
Fast and Efficient Closings
Flexible Financing Options
Carlos Almira – Mortgage Loan Originator
NMLS: 1650323
Barrett Financial
Corporate Address: 2701 East Insight Way, Suite 150, Chandler, AZ 85286
NMLS: 181106
Carlos Anselmo Almira | NMLS #1650323 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | NC B-203722 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | NMLS Consumer Access | Visit Barrett Financial Group’s Website
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