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For real-estate investorsQualify on the property's rent — not your tax returns.
A DSCR loan sizes itself on one question: does the rent cover the payment? No W-2s, no tax returns, no explaining your write-offs. Carl owns investment property himself and structures these loans across 14 states — including the short-term-rental corridors around Orlando.
No SSN. No credit pull. Carl Mataushek, NMLS #1945717.
How a DSCR loan works
DSCR stands for debt-service coverage ratio: the property's monthly rent divided by its full monthly payment (principal, interest, taxes, insurance, association dues). Rent of $2,400 against a $2,000 payment is a DSCR of 1.20 — the property carries itself, and the loan approves on that math. Your personal income never enters the file.
- No tax returns, W-2s or employment verification — the property qualifies, not you.
- LLC vesting welcome — keep the portfolio's structure clean.
- Purchase, rate-and-term, or cash-out — equity in one rental funds the next.
- Long-term and short-term rentals — many programs count STR income, which matters this close to the attractions corridor.
Who this actually serves
The classic DSCR borrower is a self-employed investor whose tax returns are optimized to show as little income as possible — great for April, fatal for conventional underwriting. If that's you, also look at bank statement loans for your own residence; DSCR covers the rentals. The two products together are how self-employed investors keep buying.
Florida DSCR specifics worth knowing
Florida's insurance costs move DSCR math more than most states — a quote that looked like 1.15 can slide under 1.0 once a real insurance number lands, so Carl runs the ratio with realistic taxes and insurance up front, not the listing agent's optimism. Prepayment penalties (standard on DSCR loans, usually 3–5 year step-downs) are also state-regulated — the structure that's routine in one state may be off the menu in another. With licensing in 14 states, Carl handles both sides of that: your Florida rentals and the out-of-state ones a single lender's footprint would orphan.
Rates and trade-offs, honestly
DSCR pricing runs somewhat above conventional — that's the cost of underwriting the property instead of your income, and of the lighter documentation. Whether it's worth it is simple math on the deal: if the rent covers the payment at the DSCR rate and the property meets your return target, the loan does its job. When a conventional loan is available and cheaper, Carl will say so — options cut both ways.
Does the rent cover the payment?
Slide your numbers in — the ring shows how a lender reads the ratio.
Debt-service coverage ratio
Workable — meets the typical 1.00 bar.
Estimates for illustration only — not a loan offer or commitment to lend. Florida insurance quotes move this ratio more than any other input; Carl runs it with real numbers before you write the offer.
DSCR / Investor Loans — straight answers
What DSCR ratio do I need to qualify?
Most programs want the property's rent to cover the mortgage payment — a DSCR of 1.0 or better. Stronger ratios earn better pricing. Some lenders go below 1.0 with more down payment or reserves, which matters for appreciation plays where rent hasn't caught up to price yet.
Do I really not need tax returns or W-2s?
Correct. DSCR underwriting qualifies the property, not your personal income — no tax returns, no W-2s, no employment verification. You'll still need decent credit, the down payment, and reserves. That's the entire point of the product for self-employed investors whose returns understate real cash flow.
Can I buy in an LLC?
Yes — most DSCR lenders allow (many prefer) vesting title in an LLC, which conventional loans generally don't. That keeps your rental portfolio's financing and liability structure aligned. Bring your operating agreement; guarantees from the members are standard.
How much down payment does a DSCR loan take?
Typically 20–25% down on a purchase, with rate improving as you put more down or the DSCR strengthens. Reserves of several months' payments are usually required. Cash-out refinances on existing rentals are also common DSCR uses — equity in one property funds the next one.
Does it matter that Carl is licensed in 14 states?
For investors, a lot. If you live in Florida but buy in Tennessee, Texas or Michigan, one broker can run your whole portfolio's financing instead of finding a new lender in every market. Note that DSCR prepayment-penalty rules differ by state — part of structuring the loan correctly.
Let's see what you qualify for.
Tell Carl where you're at and he'll come back with what's actually possible — usually the same day.
- No SSN and no credit pull at this stage
- Carl calls or texts you back personally — usually same day
- 14 states licensed · NMLS #1945717
Prefer to talk first? (321) 229-8084
Got it — that's on Carl's phone already.
He reviews every one personally and will reach out shortly. If it's urgent, call or text (321) 229-8084.
Ready for the full application?
If you already know what you want and would rather get straight into it, you can start the formal application now instead of waiting for Carl to call.
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