Investors

Financing that fits your rental strategy

Investor loans work differently from owner-occupied mortgages. Let's look at DSCR and other options with realistic expectations about cash flow, reserves, and costs.

Available options

Investor financing paths

DSCR

Investor financing that considers rental cash flow relative to the property's debt obligations. The qualifying rent is compared to PITIA. Lender definitions and thresholds vary—this is not guaranteed approval or 'no documentation.'

Conventional Investor Financing

Standard financing for investment properties with documented income and credit qualification. Terms and requirements differ from owner-occupied loans.

Cash-Out & Rate-Term Refinance

Eligible refinance paths for investment properties, subject to program limits and property eligibility. Cash-out access depends on the program and equity.

Bridge / Hard Money

Short-term options that may be available for time-sensitive or non-traditional scenarios. Watch for prepayment penalties and higher costs where applicable.

What shapes your deal

Key considerations

Cash flow: rent minus operating costs and debt service

Reserves: many programs require months of payments in reserve

Property eligibility: not every program permits every property type

Appraisal and rent analysis: lenders may use market rent estimates

Prepayment penalties: read the terms where applicable

Debt-service obligations: how the loan payment affects your ratios

About DSCR

DSCR (Debt-Service Coverage Ratio) compares qualifying rent to the property's PITIA (principal, interest, taxes, insurance, and association dues). Lender definitions and thresholds vary—there's no universal qualifying ratio, and DSCR is not guaranteed approval or a no-documentation loan.

Explore the DSCR Landing Page

Client experiences

Verified reviews from real clients

Honest guidance, clear communication, and dedication to your best interest. Here is what clients share about working with Francisco.

Verified Google Review

“This was the first house that I sold. Francisco was amazing in every way. He was incredibly fair, always honest, very communicative, and on top of everything. I could not have asked for a better experience.”

Home Seller / Buyer

Lori Windloss

South Florida

Service context: South Florida Real Estate & Guidance

Verified Google Review

“Francisco Cabrera just helped my partner and I find our new condominium in Oakland Park. He is fluent in Spanish and English so we could find exactly what we wanted. His communication and professionalism made everything smooth.”

Condo Purchase

Stephen Clair

Oakland Park, FL

Service context: Bilingual Purchase Guidance (English & Spanish)

Verified Google Review

“So helpful! Bought my house from him, highly recommend. He responded to my texts and emails efficiently, and was super trustworthy. This was my first property purchase and he guided me every step of the way.”

First Property Purchase

Chase Winston

South Florida

Service context: First-Time Buyer Guidance & Communication

Reviews sourced directly from Francisco Cabrera's verified Google Business profile. Per federal mortgage advertising standards, past performance does not guarantee future results or loan approval.

Financing that fits your rental strategy

Investor financing paths

DSCR

Conventional Investor Financing

Cash-Out & Rate-Term Refinance

Bridge / Hard Money

Key considerations

About DSCR

Verified reviews from real clients

Let's model your next investment