DSCR Insider

06/29/2026

06/29/2026

The complete guide to DSCR loans — what they are, what they require, and why real estate investors choose them even when they'd qualify for a conventional loan.
A DSCR (Debt Service Coverage Ratio) loan qualifies the property, not you. It compares the rent to the full monthly payment — PITIA: Principal, Interest, Taxes, Insurance, and Association dues (HOA, if any). Clear 1.0 and the property carries itself; 1.25+ unlocks better terms.
Chapters:

0:00 Intro — what this covers

0:24 What a DSCR loan is

0:39 PITIA — what's actually in the payment

0:57 The DSCR ratio you need

1:12 What you can buy (single-family, condos, 2–4 units)

1:21 The requirements

3:03 Prepayment penalties

3:30 Why investors pick DSCR over conventional

4:00 Got a deal? Send it to me
Got a deal and want to know if it fits? Send it my way 👉 dscrinsider.com
Jermaine Fields · Loan Officer · NMLS #2067609

DSCR Insider — Powered by NEXA Lending · NEXA Mortgage, LLC #1660690

Licensed in California & Missouri only (not Kansas) · Equal Housing Lender · Equal Housing Opportunity

Educational only; requirements vary by lender; not a commitment to lend. No rates quoted.

06/26/2026

A self-employed buyer wanted a $2.2M short-term rental. Four banks said no — his tax returns showed ~$85K (he writes off everything), it was a jumbo, and it wouldn't cash-flow as a long-term rental.
That same deal had three ways to close: (1) qualify on the short-term rental income (Airbnb nets far more than a long-term lease), (2) turn his $1M+ in assets into qualifying income — no tax returns, or (3) use 12–24 months of business deposits to show his real cash flow.
The banks saw a problem. I saw three solutions.
Got a deal everyone else passed on? Send it to me → dscrinsider.com
Jermaine Fields · Loan Officer · NMLS #2067609 · DSCR Insider — Powered by NEXA Lending · NEXA Mortgage, LLC #1660690 · Licensed in CA & MO only (not Kansas) · Equal Housing Lender · Illustrative scenario; not a commitment to lend.

06/23/2026

Low Income on Paper? DSCR Loans Don't Care

Self-employed and writing off everything you legally can? On paper your tax returns can make you look broke — even on a deal that cash-flows.

Here's the fix: a DSCR loan qualifies the property's rent, not your tax returns. No W-2s, no DTI, and you can close in your LLC. If the rent covers the payment, you're in the conversation.

Financing an investment property in St. Louis, Missouri, or California? Send me the address and the projected rent and I'll tell you if it works → dscrinsider.com

Jermaine Fields · Loan Officer · NMLS #2067609
DSCR Insider — Powered by NEXA Lending · NEXA Mortgage, LLC #1660690
Licensed in CA & MO only (not Kansas) · Equal Housing Lender · Not a commitment to lend.

06/22/2026

I've been on every side of the mortgage table since 2008 — and I started in the middle of the crash.

Countrywide (loss mitigation). JP Morgan Chase (Making Home Affordable). Colony Asset Management, a subsidiary of Colony Capital (REO + credit committee). Bank of the West (commercial closing). And as an underwriting manager, I was responsible for underwriting the federal Homeowner Assistance Fund program across Missouri, Tennessee, Texas, and New Jersey.

18 years, every side of the table. So when you bring me a deal, you're not getting a salesperson — you're getting someone who knows how lenders decide yes or no.

Financing an investment property in St. Louis or Missouri (or California)? Send me your deal and I'll run the numbers.

➡️ dscrinsider.com

Jermaine Fields · Loan Officer · NMLS #2067609
DSCR Insider — Powered by NEXA Lending · NEXA Mortgage, LLC #1660690
Licensed in California & Missouri only (not Kansas) · Equal Housing Lender
Educational only; not a commitment to lend.