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DSCR Loan Experts

We Turn Complex DSCR
Into Closed Loans

Homestead Capital Partners bridges the gap between real estate investors, builders, and mortgage professionals. Our DSCR expertise ensures your transactions fund — faster, smarter, with fewer headaches.

 Find Your Pathway  

Network Volume

$2B+
Funded Loans
50+
Lender Partners
5,000+
Transactions
48
States Covered

Our Mission

"At Homestead Capital Partners, we believe every real estate transaction deserves clarity, speed, and expertise. The traditional lending model fails investors, builders, and homeowners alike. We're changing that."

"Our network of builders and professionals works together to serve the customer — not the bank. Through DSCR mastery and strategic partnerships with NEXA Lending, we provide the capital, the connections, and the confidence to close more deals."

Jon Howard
Managing Partner, Homestead Capital Partners

How Our Network Serves the Customer

Three distinct pathways, one goal: faster funding, higher conversion, better outcomes.

For Builders

Your clients need financing, not delays. We provide DSCR-optimized lending that keeps construction timelines on track and buyers moving forward.

Builder Program
For Advisors & CPAs

Guide clients with confidence. Our DSCR expertise ensures investment properties fund correctly, protecting portfolios and reputations.

Advisor Network
For Real Estate Investors

Complex DSCR ratios? No problem. We structure loans that traditional lenders reject — faster approvals, better terms.

Investor Guide

DSCR Mastery Is Our Differentiator

Most mortgage brokers fear DSCR. We've built our entire practice around it.

1.25+
Minimum DSCR We Handle
24-48
Hour Initial Decision
15%
Avg. Faster Than Competitors
93%
Client Retention Rate

What Is DSCR?

Debt Service Coverage Ratio measures a property's ability to cover its mortgage payment from rental income. Most lenders require 1.25x. We go further.

Our underwriting looks at the total picture: lease-up potential, value-add opportunities, borrower Strength, and asset diversification. We fund what others decline.

Why DSCR Matters

  • Predictable cash flow — income-based underwriting, not personal income
  • Scalable portfolios — build without personal debt limits
  • Asset protection — non-recourse options available

Join Our Mortgage Loan Originator Network

NEXA Lending, our parent broker network, is recruiting ambitious MLOs who want to specialize in DSCR and investment property lending.

What You Get:
  • Access to 50+ wholesale lenders
  • Competitive split structures
  • DSCR training & certification program
  • Marketing support & lead generation
  • Multi-state licensing assistance
 Apply to Join NEXA  
MLO Training Portal

Ready to learn? Our comprehensive DSCR training covers everything from basic ratios to complex underwriting scenarios.

 Access Training  

Training is free for enrolled NEXA MLOs. Nominal fee for non-affiliated professionals.

The DSCR Investor Guidebook

Stop wondering why your DSCR loans get denied. Our comprehensive guidebook reveals:

  • How to structure deals for 1.20 DSCR approval
  • Lender-specific nuances — what each of our 50+ partners actually wants
  • Lease-up strategies that turn 0.95 DSCR into 1.30 DSCR
  • Asset-based pathways — funding without income verification
 Get the Guide  
Free Chapter Available

Enter your email to receive Chapter 1: "The DSCR Mindset"

 Download Free Chapter 

Builder Partnership Program

Your buyers face financing hurdles. We clear them. Custom DSCR underwriting for new construction, spec homes, and build-to-rent projects.

48-Hour
Pre-approval decisions
100%
Construction-to-perm
No
Depletion reserve requirements
Nationwide
Coverage
 Become a Builder Partner  
Builder Testimonial
"Before Homestead, our buyers were losing deals to all-cash offers. Their DSCR program closed in 28 days, same as conventional. That's competitive."
— VP of Sales, Custom Home Builder

Advisor & CPA Referral Network

Your clients own rental properties. They're house-rich, cash-poor. They need liquidity but don't want to sell.

DSCR refinances unlock equity without affecting personal income qualification. We handle the entire process; you maintain the relationship.

1.5-2.5%
Referral Fee Potential
30-Day
Avg. Close Time
 Join Advisor Network  

The Advisor's Dilemma — Solved

You don't need to become a mortgage expert. You just need a partner who is.

No. We're a referral-quality partner. We educate, we don't pressure. Your client receives professional guidance. You stay in the loop. 94% of advisors report stronger relationships after our involvement.

RESPA-compliant referral fees (typically 1.5-2.5% of loan amount). Paid at closing. No ongoing obligations. Clean, documented, transparent.

Minimal. You identify the need, make an email introduction. We handle everything else: application, underwriting, docs, closing. You get status updates — zero paperwork.

Powered by NEXA Lending

Homestead Capital Partners operates under the NEXA Lending broker umbrella — giving you access to 50+ wholesale lenders, multi-state licensing, and enterprise-level capacity.

50+ Lenders

One network, multiple approvals

Multi-State

Licensed in 48 states

24-48 Hour

Initial decisions

RESPA Compliant

Clean referrals only

Ready to Close More DSCR Deals?

Whether you're a builder, advisor, investor, or mortgage professional — Homestead Capital Partners provides the DSCR expertise and network to get your transactions funded.

 Join Our Referral Network   Read the Guidebook