Mortgage Insights and Guides

✓ Expert-reviewed content — Reviewed by Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844 · Last reviewed July 2026 There is no fixed limit on how many DSCR loans you can have. Unlike conventional lending — which caps the number of financed properties — DSCR programs evaluate each property…

✓ Expert-reviewed content — Reviewed by Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844 · Last reviewed July 2026 For a rental property, the choice usually comes down to this: a conventional investment loan qualifies you, while a DSCR loan qualifies the property. Which one wins depends on your…

✓ Expert-reviewed content — Reviewed by Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844 · Last reviewed July 2026 Most DSCR programs look for a credit score in the mid-600s or better, with the strongest options opening up around 700 and above. But credit plays a different role in…

✓ Expert-reviewed content — Reviewed by Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844 · Last reviewed July 2026 Yes — you can get a mortgage using only bank statements. Bank statement loans qualify self-employed borrowers on 12 to 24 months of actual deposits instead of tax returns, so…

✓ Expert-reviewed content — Reviewed by Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844 · Last reviewed July 2026 A DSCR loan is a mortgage for rental property that qualifies you on the property’s income instead of your own. The lender divides the monthly rent by the full monthly…