DSCR and non-QM financing for real estate investors in California and Missouri. Institutional underwriting background. Real investor education.
DSCR loans qualify based on the property's rental income — not your W-2, tax returns, or debt-to-income ratio. If the rent covers the mortgage, you can qualify.
Lenders look at DSCR = Monthly Rent ÷ Monthly PITIA. A ratio of 1.0+ means the property pays for itself. Many lenders go below 1.0.
Perfect for self-employed investors, business owners, and portfolio builders who show losses on paper but cash-flow well in real life.
Protect your portfolio with entity structure. DSCR loans can close in an LLC — keeping your personal and investment finances separate.
Conventional loans cap out after a few properties. DSCR has no strict portfolio limit — built for investors who are building at scale.
Non-QM financing structured for real estate investors at every stage of the portfolio.
Qualify on rental income. SFR, multi-family, STR, LTR. Purchase and cash-out refinance. Rates from 6s depending on DSCR and LTV.
12–24 months personal or business bank statements. For self-employed investors who write off too much to qualify conventionally.
Finance the buy, the rehab, and the refi — all with the right loan products at each stage. Built for investors running the full cycle.
Construction-to-permanent loans for Altadena and Pacific Palisades property owners rebuilding after the January 2025 fires.
DSCR loans underwritten using Airbnb/VRBO rental income projections. Many lenders now accept STR income at market rate.
Finance multiple properties under a single loan. Simplify your portfolio, reduce individual property loan overhead.
Licensed in California and Missouri. Focused on the markets with the strongest investor fundamentals right now.
Strong rent growth, institutional investor demand, and DSCR ratios that pencil on SFR and small multi.
Lower entry price points with growing rental demand. One of the last affordable investor markets in SoCal.
STR-heavy market. DSCR loans underwritten on seasonal Airbnb income. Desert luxury and workforce rentals.
Construction-to-permanent financing for owners rebuilding after January 2025. Your land + your rebuild plan = a path forward.
NAR-ranked hot spot. $1,300–1,400/mo rents, Google and Panasonic expansions driving demand. DSCR ratios pencil well.
40–50% below national average prices. 1% rule still viable in many neighborhoods. Strong long-term rental fundamentals.
University-driven rental demand. MSU and Mizzou create steady tenant pools with low vacancy.
~7% cash-on-cash returns — highest in MO. 26% price growth. Underserved by investor-focused lenders.
Before I originated loans, I was in the room where the credit committees happened. At Colony Asset Management — part of Colony Capital — I worked alongside the team acquiring distressed loan portfolios directly from the FDIC out of failed bank receiverships. This was post-2008, when hundreds of banks failed and the FDIC was selling off their loan books. I hosted the credit committee presentations where institutional capital decided which portfolios to bid on, what the collateral was worth, and what recovery looked like at scale. Cap rates, debt yield, DSCR coverage, LTC ratios — I learned underwriting the hard way, from the people whose money was on the line.
That underwriting perspective is what separates my approach from a typical loan officer. I can tell you why your deal pencils or why it doesn't — not just whether you qualify, but what the lender is actually looking at and how to structure the deal to get to yes.
I'm a licensed Mortgage Loan Officer, NMLS #2067609, licensed in California and Missouri. I specialize in DSCR and non-QM financing for real estate investors — and I built The Loan Insider specifically to help serious investors understand how the financing actually works.
Tell me about your deal. I'll let you know if it pencils, what products fit, and what the path to close looks like. No fluff.
Expect a response within 1 business day at the email you provided.
For urgent inquiries: jfields@nexalending.com