What do mortgage underwriters look for when they review your loan application? They consider four elements: income, assets, credit, and the collateral (the property you are financing). Which of these four is the most important? It depends on the program you’re applying for. Some programs, like a hard money loan, just looks at the collateral.…

Are you a real estate investor who can’t qualify using W2s or tax returns? Then a DSCR (debt service coverage ratio) loan might be right for you. First, let’s go some FAQs about DSCR loans. What is DSCR? DSCR is a ratio of monthly rent to monthly mortgage payment. How do you calculate DSCR? Divide…