What is a DSCR loan and who qualifies?
A DSCR loan qualifies the property on its rent instead of the borrower on tax returns. Lenders divide the rent by the full payment (principal, interest, taxes, insurance, and any HOA). Most programs want a ratio of 1.0 to 1.25 or higher, roughly 20 to 25 percent down, six months of reserves, and a credit score in the mid-600s or better. Requirements vary by lender and change; Dr. Rob confirms current terms for your file.
Can I get a DSCR loan on a property that rents to Section 8 tenants?
Often yes. Many DSCR lenders accept voucher rent when a Housing Assistance Payment contract or lease is in place, and some will underwrite on a rent schedule from the appraisal. Dr. Rob screens the property on the lower of market rent and the current payment standard, not the higher.
How does a bridge or fix-and-flip loan work?
A short-term business-purpose loan that funds the purchase and often the rehab, based on the purchase price, the scope of work, the after-repair value, your experience, and your liquidity. Terms usually run 6 to 18 months with interest-only payments. The exit, a sale or a DSCR refinance, has to be modeled before closing.
What is BRRRR and can Dr. Rob finance it?
Buy, rehab, rent, refinance, repeat. The purchase and rehab are bridged, the property is stabilized with a tenant, and a permanent DSCR loan refinances the bridge against actual rent and the appraised value. Dr. Rob tests the refinance against conservative numbers before the purchase, because the deal only works if the takeout works.
Do you finance investors outside Texas?
Dr. Rob is licensed in Texas. For properties in other states, including the Baltimore, Newark, and eastern North Carolina markets covered on Dr. Rob's Deal Desk, deals are screened and routed through the company's lending network, which is licensed nationwide. Availability depends on the state, the property, and the lender.
What do you need to screen a deal?
The address, your strategy (hold, flip, BRRRR, multifamily), purchase price, estimated rehab, approximate credit range, available liquidity, and your experience. That is enough to say which financing lane deserves the first look. Never send tax returns, bank statements, or Social Security numbers through a public form; a secure application link is provided when a full review is warranted.
Is a 1-4 unit property I plan to live in an investor loan?
No. If you will occupy one unit, that is usually an owner-occupied FHA, VA, or conventional purchase, often with better terms and lower down payment. Dr. Rob reviews which path fits before you make an offer.
