What DSCR ratio do I need?

Programs vary, and some accommodate properties that don't yet break even. Send us the address and the rent roll and we will run it.

Can I close in an LLC?

Yes. Most of our investor clients do.

Do short-term rentals qualify?

Often, yes — though the income documentation works differently than a long-term lease. We handle both.

DSCR & Investor Loans

The property qualifies. Not your W-2.

A DSCR loan is underwritten on the rental income the property produces relative to its debt service. Your personal income documentation largely leaves the equation, which is what makes portfolio growth possible.

See if I qualify Call 708-888-1518

Well-maintained brick two-flat rental building on a tree-lined Chicago street

Who this is for

Investors scaling past the point where conventional financing caps out
Buyers of single-family rentals, small multifamily, and short-term rentals
Anyone whose personal tax return no longer supports another mortgage

The asset carries the file
Qualification runs on the property's rental performance rather than your personal debt-to-income ratio.
No cap on ambition
Conventional financing limits how many properties you can hold. DSCR is how investors keep going.
Entity vesting
Closing in an LLC is standard practice here, not an exception we have to fight for.
Creative structures
Kevin from Chicago has closed four with us specifically because the creative financing side is where we are strongest.

Common questions

The things people
actually ask.

What DSCR ratio do I need?: Programs vary, and some accommodate properties that don't yet break even. Send us the address and the rent roll and we will run it.
Can I close in an LLC?: Yes. Most of our investor clients do.
Do short-term rentals qualify?: Often, yes — though the income documentation works differently than a long-term lease. We handle both.

Ask about DSCR

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

1/3

Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“I've closed four investment properties with Homeland now. Their expertise in creative financing is why I keep coming back. They understand the numbers as well as I do.”
Kevin W.Chicago, IL
“I was looking for a loan that would allow some creative financing on an investment property. Homeland secured what I needed and saved the day!”
Jason P.Des Moines, IA
“The big banks kept giving me the runaround because I'm self-employed. Sam actually sat down, looked at my bank statements, and found a path to a DSCR loan that made sense for my portfolio.”
Marcus T.Naperville, IL