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Debt Service Coverage Ratio (DSCR) loans are an innovative financing solution designed to make property investment both accessible and hassle-free. Unlike traditional loan options that heavily rely on employment income and tax returns, DSCR loans focus on the property’s ability to generate income. This means the loan is evaluated based on the cash flow it produces, making it an ideal choice for real estate investors looking to expand their portfolio without the usual paperwork hurdles.
With DSCR loans, the process is streamlined and straightforward. The main consideration is whether the property’s rental income covers your monthly loan payment, providing a clear and actionable path toward approval. This makes DSCR loans especially appealing for those who have multiple income streams or unconventional employment situations.
Pacific Mortgage Group specializes in making the loan process stress-free. We proudly offer DSCR loan services in California, Florida, Nevada, Washington, Oregon, and Colorado. Wherever you’re investing, we’re here to make it simple, exciting, and rewarding.
Get in touch with us today to discover how DSCR loans can open doors to your next great investment. Your success is our mission!
Learn more about the VA Home Loan Program
Our team of experienced mortgage professionals is dedicated to understanding our clients’ needs and goals, and we provide personalized advice and guidance to make informed decisions.
We have a wide range of mortgage solutions to suit the unique needs of each client, including fixed and variable rate mortgages, home equity loans, refinancing options, and more. Our goal is to help our clients achieve their homeownership goals while keeping their best interests at the forefront.
Additional questions? Call us at (951) 717-4214 or contact us on Yelp.
Call (951) 531-1399 to learn more about our services and schedule a visit.
You can also fill out our contact form and we’ll be happy to get back to you as soon as possible.
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NMLS #237598 DRE #01523500
Pacific Mortgage Group is a dba of California Premier Services, Inc
Rates, terms, and conditions are subject to change without notice. Loan approval is subject to verification of credit, employment, income, and asset information.
Communication Consent:
By submitting your information you agree to our terms of service and privacy policy, you understand that you are consenting for us to contact you to discuss mortgage loan products and rate options at the email address and/or the phone number provided including via text, automated or pre-recorded means.
Oregon specific Reverse Mortgage disclosure
When the loan is due and payable, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to borrowers, who may need to sell the home or otherwise repay the loan with interest from other proceeds. The lender may charge an origination fee, mortgage insurance premium, closing costs and servicing fees (added to the balance of the loan). The balance of the loan grows over time and the lender charges interest on the balance. Borrowers are responsible for paying property taxes, homeowner’s insurance, maintenance, and related taxes (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable (and the property may be subject to a tax lien, other encumbrance, or foreclosure) when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes, insurance payments, or maintenance, or does not otherwise comply with the loan terms. Interest is not tax-deductible until the loan is partially or fully repaid.