DSCR Loan Program – Simplified Financing for Rental Properties
Our DSCR (Debt-Service Coverage Ratio) Loan Program is the perfect solution for real estate investors focused on rental income. At Michael Pendergist, we offer DSCR loans in Arvada, Colorado and across California, Texas, Florida, and beyond, making it easier for investors to qualify based on rental cash flow—without needing to verify personal income or submit tax returns.
Qualify Based on Property Income, Not Personal Documents
DSCR loans evaluate the property’s ability to generate rental income rather than relying on your personal financial statements. Whether you’re building a portfolio in Arizona or purchasing your next rental in Arvada, this low-doc program provides the flexibility and speed needed to close quickly and scale efficiently.
Ideal for Long-Term and Short-Term Rentals
Whether you’re investing in a single-family long-term rental in Kansas or a short-term Airbnb in Florida, DSCR loans provide a versatile way to finance income-generating real estate. This program works for both new investors and seasoned landlords looking to expand holdings across Wyoming, Missouri, and California.
Key Benefits of Using Our Loan Programs
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Tailored Solutions for Every Situation
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Local Expertise with Multi-State Reach
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. Fast, Transparent, and Personalized Process
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Support for All Borrowers—Traditional or Unique
Expand Your Portfolio Faster with Less Red Tape
Because DSCR loans require fewer documents and have no income limits, they allow you to build your rental empire without the traditional lending obstacles. Investors in Colorado, Texas, and Arizona use this program to close more deals, faster—leveraging rental revenue to fuel long-term growth.
Financial Clarity from Day One
Our team breaks down all costs, timelines, and expectations so you’re never caught off guard. From interest rates to down payment options and closing costs, we keep everything transparent. Whether you’re buying in Kansas or California, our loan experts keep you fully informed at every step.
We are known for
Personalized Purchase Loan Strategies
Trusted in 8 States Including Colorado
First-Time Buyer Friendly Options
Fast Pre-Approvals and Clear Communication
"FAQs"
We offer a wide variety of mortgage solutions including Purchase Loans, First-Time Home Buyer Loans, Down Payment Assistance, VA Loans, FHA Loans, DSCR Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Investor Loans, Renovation Loans, and Fix and Flip Loans. These are available to clients in Arvada, Colorado, and across Wyoming, Arizona, Texas, Florida, Missouri, California, and Kansas.
FHA Loans are great for buyers with lower credit scores and smaller down payments. VA Loans are exclusively for eligible veterans and active-duty service members, offering zero-down financing. USDA Loans provide 100% financing for buyers in eligible rural and suburban areas with moderate income.
Down Payment Assistance programs help cover part or all of your down payment and sometimes closing costs. These are often available through local or state programs in areas like Arvada, Texas, or Missouri and may come as grants or forgivable second loans.
Debt Service Coverage Ratio (DSCR) Loans are for real estate investors. These loans are approved based on the income generated by the property rather than the borrower’s personal income—ideal for those with strong cash-flowing assets in markets like Arizona or California.
Yes. If you’re self-employed and don’t have traditional income documents like W-2s, a Bank Statement Loan uses 12–24 months of personal or business bank statements to determine income. We help many clients in Arvada and across Florida and Texas with this option.
Yes. FHA Loans and some non-QM programs like Bank Statement or Hard Money Loans can accommodate lower credit scores. We assess your full financial picture to find the right loan product.
Simply reach out to our team to start your application. We offer an easy digital process, fast pre-approvals, and personalized support every step of the way—whether you’re buying your first home or scaling your investment portfolio.
Your Investment Partner Every Step of the Way
At Michael Pendergist, we don’t just fund your deal—we partner with you to help you succeed. Our DSCR experts provide local market guidance, rental analysis, and fast closings to keep your deals moving. From Colorado to California, we deliver the tools and insight to make every rental property a profitable asset.
