DSCR Loans: The Investor Mortgage You've Never Heard Of

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/ 📲 Text "LEND" to 21000 to schedule a free 15–minute consultation Most investors assume they must qualify for a rental property the same way they qualify for a primary home, by proving income, debts, job history, and traditional underwriting metrics. But a DSCR loan flips that entire process on its head. This video will explain how Debt Service Coverage Ratio (DSCR) loans work, why they're becoming so popular among investors, and how they allow you to qualify based on the property's income, not your own. Bill Litton of Cross Country Mortgage walks through how lenders calculate DSCR, how rental income is verified, what kinds of properties qualify, and why underwriters are extra cautious about occupancy fraud. Here's what we discuss in this episode: 📊 Qualify by rent, not income - The property's cash flow determines approval. 🧾 Appraiser verifies rental value - Rent schedule + lease history drive the DSCR number. 🏘️ Works for many property types - Beach condos, multi-units, single-family rentals, etc. 🚫 Not for primary homes - Underwriters check closely to prevent occupancy fraud. 🪙 LLC ownership allowed - Unlike Fannie/Freddie — big perk for investors.   CONTACT: Schedule a time to meet with Bill here: https://calendly.com/blitton/ Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/ Call: 484-352-4151. Check us out on YouTube: https://bit.ly/3KbUxAF