For Real Estate Investors
DSCR Loansfor real estate investors.
The property qualifies, not your paycheck. Portfolio mortgages underwritten on the rent your property brings in, so your rentals can buy your next rental. No tax returns, no W2s, no DTI.
No SSN or hard credit pull to start. No obligation.
4.9 from 44 reviews
NMLS ID 2653540
Do you qualify?
The real thresholds for this program and profile, stated up front. Outside one of them? A senior mortgage banker can usually structure another path.
680+
credit score
As low as 680 on DSCR. Program minimums vary.
20%
minimum down
As low as 20% down on DSCR. Program minimums vary.
No DTI at all
There is no DTI on a DSCR loan. We accept all ratios: zero, under 1, and above 1.
$4M
loan ceiling
DSCR loans to $4 million. Most lenders cap at $2 million.
Close in your LLC
Entity vesting available. Keep your portfolio structured the way your CPA likes it.
Vacant or short-term rental
Short-term rental and vacant properties allowed. When a property is not leased today, qualifying rent can come from the appraiser's market rent analysis.
DSCR loans built for real estate investors
A DSCR loan underwrites the rent the property brings in, not the income you take home. Your personal tax returns, your W2s, and your debt-to-income ratio never enter the file. Cash flow is the credential.
Stop explaining your write-offs
Aggressive write-offs are good tax strategy and terrible mortgage paperwork. A DSCR loan does not ask about them. The rental income carries the note, so the conversation with underwriting is about the property, not about your Schedule C.
Portfolio mortgages that scale with you
- We offer DSCR loans to $4 million. Most lenders cap at $2 million.
- All ratios qualify: zero, under 1, and above 1. Most lenders require a 1 DSCR ratio. We are one of the few lenders with an absolute zero ratio.
- There is no DTI on a DSCR loan, so the portfolio you already own does not count against the next file.
- Cash out options are available, including second lien cash out on DSCR.
- These are business purpose loans, so we do not have the disclosure waiting periods traditional lenders do.
Close in your LLC
Entity vesting is available. Close in a legal entity rather than your personal name and keep your portfolio structured the way your CPA likes it.
Vacant today? Market rent still counts
Unlike most lenders, we allow short term rental properties and vacant properties. When a property is not leased today, qualifying rent can come from the appraiser's market rent analysis, so an empty unit does not stop the file.
What we can finance
- Single family homes, PUDs, condos including non-warrantable and condotel, and multifamily up to 8 units.
- Short term rentals and vacant properties.
- Purchase, refinance, and cash out, including second lien cash out on DSCR.
Every file is structured by a senior mortgage banker before it goes to underwriting, and most loans close in as few as 14 days.
Our Private Client Process
Our process assigns a dedicated licensed mortgage advisor throughout your home financing journey.
Dedicated Advisor
A licensed mortgage advisor is assigned to guide you through your entire home financing journey.
Specialist Support
Your advisor assigns dedicated specialists to assist with specific needs throughout the process.
Technology & Expertise
We utilize leading technology and best practices coupled with personalized attention.
Senior management is also available should a situation arise needing their expertise or escalation.
Based on 44 reviews
What our clients say
Real reviews from borrowers who closed with HyperSmart.
“I would give Ali and his team 10 stars, if possible. They offer very clever solutions and went above and beyond to help us find a custom jumbo loan. My husband and I also greatly appreciated their depth of expertise and patience to walk us through every step of the process. Can't thank this team enough for making it possible for us to buy our home!”
Sarah Chiu
Google Review
“Frank Martinez at HyperSmart Home Loans was our angel. After nearly loosing our dream home due to THREE TERRIBLE lenders, we found Frank. In just 4 weeks he completely turned the situation around. He worked tirelessly to ensure we were able to close our first home. He was responsive, proactive, considerate, and most importantly, transparent, from start to finish. I know they say to be warry of lender's promises, but you can trust Hypersmart and you can DEFINITELY trust Frank Martinez!”
Gabby Patton
Google Review
“Just an incredibly diligent, hard working and effective group of people. Phillip, Sean, Ali and Kyle were extremely patient, pushing on completion of the loan and through underwriting through all hours of the day. Each person is a clear, quick communicator. They will help you understand the underlying concepts, why there is a blockage (if any), etc. I used HyperSmart for my first home purchase through an alt non-qualified mortgage. In addition, my business is crypto-adjacent. Those three factors (first time, alt non-qualified, crypto-adjacent) makes getting a mortgage very difficult, but they figured it out anyway.”
Hunter Monk
Google Review
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