DSCR INVESTMENT PROPERTY LOANS · BUSINESS PURPOSE
Cash-Flow Loans for Real-Estate Investors
Your property's rents qualify you. No W-2. No tax returns.
Lending across Cleveland · Detroit · Memphis · Indianapolis · Tampa
5
Investor markets
7
DSCR calculators
80%
LTV available
Investor-first
Underwriting
HOW DSCR LENDING WORKS
Your Property's Income Qualifies the Loan
DSCR (Debt-Service Coverage Ratio) lending was built for real-estate investors who don't want their W-2 history, tax returns, or personal income blocking the deal.
A DSCR loan is qualified by ONE metric — does the property's rental income cover the new mortgage payment? Lenders divide projected rent by the principal-interest-tax-insurance (PITI) on the new loan. A DSCR of 1.0 means rents exactly cover the payment. 1.25 or higher means the property comfortably cash-flows above debt service.
That single number unlocks the whole product: no personal tax returns, no W-2 paystubs, no debt-to-income test against your day job. Title can go in an LLC. Business-purpose. Closing in as few as fifteen business days when paperwork is clean.
FIVE HIGH-YIELD INVESTOR MARKETS
Where We're Lending Hardest in 2026
Cleveland · OH
Rent-to-price 1.2%+ on duplex/triplex stock west of I-77. Median price $115k. Cash-flow first.
Cleveland market data →Detroit · MI
Single-family rentals under $90k with sub-1% management ratios in stable east-side neighborhoods.
Detroit market data →Memphis · TN
Section 8 inventory with 12-month wait-list backstop. Cap-rate floor 8% on stabilized units.
Memphis market data →Indianapolis · IN
BRRRR-friendly auction inventory. Average renovation 35-45 day cycle on bread-and-butter 3/2 SFR.
Indianapolis market data →Tampa · FL
STR-eligible coastal corridor. Higher entry but premium short-term rental DSCR off Airbnb history.
Tampa market data →SEVEN DSCR CALCULATORS
Run the Math Before You Run the Comp
Pick the question. Get the answer. No email-walls, no friction.
- DSCR Blueprint — your default purchase calc
- Cash-Out Refi — pull equity, check post-refi cash-flow
- BRRRR — buy, rehab, rent, refi, repeat math
- Cash-on-Cash + Cap-Rate — quick yield gates
- STR/Airbnb — short-term DSCR with seasonal blend
WHY INVESTORS PICK HCP
An MLO Who Invests · A Broker Who Closes
Jon Howard is a licensed MLO who underwrites his own deals before he underwrites yours. The shop is purpose-built for real-estate investors — no consumer-mortgage volume to compete for attention, no 90-day pre-approvals, no W-2 friction.
HCP brokers through NEXA Mortgage, LLC (NMLS #1660690), which means access to forty-plus investor-focused wholesale lenders without being tied to a single lender's rate sheet. When one lender's pricing tightens on a specific market, the next one fits.
Clean files close in fifteen business days. Standard files close in twenty-five. Messy files get triaged honestly on day one — not three weeks in.
Featured DSCR Market Intel
Market-by-Market DSCR Coverage.
Reality-check market reports, cash-flow math by city, and DSCR strategy deep-dives. Built for investors who want the numbers before the pitch.
FREQUENTLY ASKED
DSCR Lending Questions
Homestead Capital Partners NMLS #2587985 | NEXA Mortgage, LLC NMLS #1660690 (DBA NEXA Lending)
5559 S Sossaman Rd, Bldg #1 Ste #101, Mesa, AZ 85212 | Licensed in 48 states (excluding New York and Massachusetts) | Equal Housing Lender
DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.