Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.
Smart Mortgage Solutions When Banks Say No
At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.
DSCR Loan
For Rental Property Investors
Investor Loan Program Highlights
Loan amounts from $100,000 up to $3M+
Purchase, cash-out refinance, rate & term, and delayed financing options
Qualify based on property cash flow — no personal income required
Automated rental income analysis (short-term & long-term)
Fast pre-qualification with instant rental income estimates
Flexible DSCR options, including low or no DSCR scenarios
Multiple property ownership allowed (no strict property limits)
Financing available under LLC, S-Corp, C-Corp, or Trusts
Interest-only options available
Seller concessions allowed (up to 6%)
Loan options include ARM and 30-year fixed programs
Eligible for warrantable, non-warrantable condos & condo hotels
Available for both U.S. residents and non-permanent residents
What Is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) is designed for real estate investors looking to purchase or refinance rental properties. Instead of relying on personal income, approval is based on the property’s rental income and its ability to cover the mortgage payment. This means no tax returns, W2s, or traditional income verification are required. DSCR is a measure of a property’s cash flow compared to its debt obligations, helping determine whether the investment can sustain itself financially.
NEW – Smarter Investment Insights:
With CallTheMortgageGuy, you can now access instant, data-backed rental income estimates during the pre-approval process. No more guessing or waiting—you’ll know your property’s income potential upfront, making it easier to move forward with confidence and close deals faster. This streamlined approach gives investors the clarity and speed needed to make better decisions in today’s market.
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DSCR Loan Calculator
STILL NOT SURE?
Frequently Asked Questions
How is debt service coverage ratio (DSCR) calculated?
DSCR measures how well a property’s rental income covers its total mortgage payment. It’s calculated by dividing the expected monthly rent by the total monthly housing expense (including principal, interest, taxes, insurance, and HOA if applicable).
For example:
$1,100 rent / $1,000 payment = 1.10 DSCR (positive cash flow)
$1,000 rent / $1,000 payment = 1.00 DSCR (break-even)
$900 rent / $1,000 payment = 0.90 DSCR (negative cash flow)
The higher the DSCR, the stronger the investment looks to lenders.
Can I get a mortgage for an investment property?
Yes. With DSCR loans, you can qualify for an investment property based on the property’s rental income rather than your personal income. These programs are designed specifically for real estate investors looking to grow their portfolio.
Is personal income required to qualify for an Investor Cash Flow loan?
No. One of the biggest advantages of a DSCR loan is that it does not require personal income verification. You won’t need to provide tax returns, W2s, or pay stubs—qualification is based on the property’s performance.
Do real estate investment loans close faster than other mortgage loans?
In many cases, yes. Because DSCR loans don’t require traditional income documentation, the process can be faster and more streamlined. However, timelines may vary depending on the deal and property details.
Why Choose Flexible Non-QM Loan Options?
Non-QM loan programs provide financing solutions that many traditional lenders may not offer. They are ideal for borrowers with unique income situations, self-employed applicants, real estate investors, or those who don’t fit standard mortgage guidelines.
The advantage is having more ways to qualify, greater flexibility, and access to loan options even when conventional programs fall short. No matter the market conditions, these programs can help more borrowers move forward with confidence.
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Structure First
Smart loans start with sound underwriting.
Integrity Always
Clear guidance, honest feedback, no pressure.
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We work with complexity — not against it.
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Built for Borrowers Who Don't Fit the Bank Box
Mortgage Solutions Designed for Real-World Financial Situations
Most lenders are trained to look for reasons to say no.
We’re built to look deeper.
At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.
Ready to See What's Possible?
Start With a Conversation - Not An Application
You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.
Who We're Built To Help
Self Employed Borrowers
Homeowners Stuck in High-Cost Loans
ITIN &Alternative Documentation Borrowers
Business Owners With Complex Income
Buyers Using Non-Traditional Financing
Borrowers Navigation Unique Life Events
Borrowers Rejected by Traditional Banks
Investors Seeking DSCR or Asset Based Loans
Borrowers facing balloon payments
Struggling with any of these situations?
Being approved only at unfavorable rates or terms
Income that looks strong in real life but weak on paper
Repeated denials with no clear explanation
A loan structure that worked once — but no longer does
You’re not stuck. The structure may just be wrong.
INTRODUCING
What Working With Us Looks Like
Mortgage Strategy & Structuring Review
A clarity-first review of your current loan or financing goals — focused on structure, compliance, and realistic options.
100% risk free - 30 day money back guarantee
Here's what you get:
Review of your current loan or proposed financing
Identification of structural or underwriting bottlenecks
Exploration of non-QM and alternative programs
Guidance on refinance, restructuring, or next steps
Clear explanation — no jargon, no pressure
No Obligation
No Upfront Commitment
"Got Me Approved!"
"My credit hurt me with traditional banks, but we were able to close..." - John
Real Borrowers. Real Outcomes
What Clients Say After Gaining Clarity
"Loved everything so far"
“Steve explained things no lender ever took the time to explain. I finally understood my options.”
- Jeremy
"My life changed forever"
“We thought we were out of luck. Turns out we just needed the right structure.”
- Maria
"Highly recommend this"
“This was the first time the process felt logical instead of stressful.”
- Jorge