Understanding DSCR Loans

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on a property’s income rather than their personal employment or tax documents. Instead of focusing on your personal financial statements, the lender looks at how well the property can cover its own mortgage payment through rental income. This creates an opportunity for investors to scale portfolios more efficiently and without the traditional documentation requirements found in standard mortgage loans. I guide you through this investment-focused approach, helping you understand the numbers, the strategy, and the long-term advantages of leveraging DSCR financing for growth.
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Qualification Based on Property Income

Unlike traditional loans that rely heavily on tax returns, employment verification, or income statements, DSCR loans center around one thing: whether the rental income of the property can support the mortgage payment. This allows investors to move forward even if traditional proof of income is complex or varies year to year. I walk you through how the DSCR ratio is calculated, what lenders look for, and how to position your property for the best possible terms. With this approach, you can invest based on the potential of the property itself — not just your personal paperwork.
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Ideal for Growing Real Estate Portfolios

For investors who are aiming to expand, DSCR loans offer a strategic advantage by reducing the limitations imposed by personal income qualification. This makes it easier to purchase multiple rental properties over time without your borrowing ability being capped by conventional lending standards. Whether you are acquiring your first investment property or adding to an existing portfolio, I help you evaluate rental projections, understand cash flow performance, and structure your financing in a way that supports long-term growth and sustainability.
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Benefits of DSCR Loans

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Qualifies based on property income, not personal employment or tax returns

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Allows easier expansion of real estate investment portfolios

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Streamlined documentation and simplified approval process

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Works for long-term rentals and many short-term rental strategies
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Streamlined Documentation and Faster Approvals

One of the standout benefits of DSCR loans is the simplified documentation process. Because qualification focuses on the property’s projected or existing rental income, there are fewer personal financial documents required, making approvals smoother and often quicker. I support you through each step, from analyzing rental market potential to preparing the documents needed for underwriting. With a clear, organized approach, the process feels more efficient and more aligned with investment timelines.
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Why Choose Us – Your Trusted Partner

Patty Galceran takes the time to understand your unique financial situation and goals, guiding you through every step of the mortgage process with clarity and personalized support. Whether it’s your first home, an investment property, or a complex loan, she ensures the process is straightforward and stress-free.

With Patty by your side, you’re not just getting a loan — you’re gaining a trusted partner who genuinely cares about your success. She provides expert guidance, honest advice, and a supportive experience to help you achieve your homeownership goals with confidence.

We are known for

Personalized Guidance – Patty Galceran takes the time to understand your goals and financial situation, providing tailored solutions for every client.

Expert Knowledge – With deep experience across a wide range of loan programs, Patty ensures you get clear, accurate advice at every step.

Smooth & Stress-Free Process – From application to closing, Patty makes the mortgage experience simple, transparent, and worry-free.

Commitment to Your Success – Patty is dedicated to helping you achieve homeownership and investment goals while building long-term financial confidence.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

I work with a wide range of loan programs, including FHA, VA, Conventional, Jumbo, DSCR, Bank Statement, and more. My goal is to find the right mortgage that fits your unique financial situation and homeownership goals.

I take the time to understand your needs, income, credit profile, and long-term goals. Together, we review your options and select a program that offers the best combination of affordability, flexibility, and financial strategy.

Absolutely! Many of my loan programs, such as Bank Statement Loans, DSCR Loans, and Assets-As-Income Loans, are designed for self-employed individuals, investors, or those with unique income sources. I help you understand the documentation and eligibility requirements.

 

The timeline depends on the type of loan and your financial situation, but I strive to make the process as smooth and efficient as possible. I guide you through each step, keep you informed, and work to ensure timely approvals and closings.

 

Yes! I specialize in helping first-time buyers navigate the process with programs that include low down payments, grants, and other forms of assistance. I provide guidance, education, and support to make your first home purchase stress-free.

 

Getting started is easy! You can reach out to me directly through the website or by phone. I’ll schedule a consultation to review your goals, discuss your loan options, and create a customized plan to help you achieve your homeownership or investment objectives.

Let’s Build Your Investment Strategy Together

Investing in real estate is most successful when the financing aligns with your goals and growth plans. DSCR loans offer a powerful way to expand your portfolio while keeping the focus on the property’s performance and income potential. I take the time to help you analyze the numbers, understand market conditions, and structure your loan with confidence and clarity. When you’re ready to move forward, I’m here to support you each step of the way and help you invest with purpose and success.