DSCR Loan Program

The DSCR Loan Program is designed for real estate investors who want to qualify for a mortgage based on property income rather than personal income. Instead of relying on your salary or tax returns, lenders evaluate the property’s cash flow to determine eligibility. This program is perfect for investors looking to purchase rental properties, multi-family units, or commercial real estate. By focusing on the property’s ability to cover debt, you can secure financing more efficiently. It simplifies investment lending while maximizing purchasing potential.
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Qualify Based on Property Performance

Unlike traditional loans, this program calculates income using the property’s net operating income compared to the mortgage payment. A strong DSCR indicates the property generates enough revenue to cover debt, making lenders confident in approval. This method allows investors to leverage profitable properties without needing extensive personal income documentation. It is an ideal solution for both seasoned and first-time real estate investors.
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Investor-Focused Lending Solutions

Every investment property has unique cash flow and risk factors, which is why this program offers tailored mortgage solutions. You’ll receive guidance on DSCR calculations, property analysis, and loan structuring. Professional support ensures the process is smooth from pre-approval to closing. The focus is on helping investors secure financing efficiently while protecting their investment goals. Clear communication keeps you informed at every step.
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Benefits of DSCR Loan Program

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Approves loans based on property income

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Minimal reliance on personal income

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Ideal for rental and investment properties

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Streamlined approval for cash-flowing properties
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Expert Guidance for Real Estate Investors

Investment property financing can be complex without specialized knowledge. This program pairs you with mortgage professionals experienced in DSCR lending. You’ll receive clear guidance, honest advice, and tailored loan solutions. The goal is to help investors make informed decisions and close confidently. With expert support, securing an income-based loan is straightforward and reliable.
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Why Choose Price Mortgage for Your Loan Needs

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

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Why Choose Randy Bongard at Price Mortgage?

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

talk to a loan specialist

"FAQs"

I offer access to a wide range of loan programs, including conventional, FHA, VA, jumbo, refinance, and investment property loans. Because I work as a mortgage broker, I can explore multiple options to find the loan that best fits your goals and financial situation.

As a mortgage broker, I’m not limited to one lender’s products. This allows me to compare multiple loan programs and rates to find the most competitive and suitable option for you, rather than a one-size-fits-all solution.

The timeline can vary based on the loan type and your specific situation, but most home loans are completed within 30 to 45 days. I stay closely involved throughout the process to keep things moving smoothly and on schedule.

Absolutely. I work closely with first-time buyers to explain every step, review available programs, and help make the process clear and comfortable from application to closing.

To begin, you’ll typically need basic financial details such as income, assets, credit history, and the estimated purchase price or loan amount. Once you reach out, I’ll guide you through exactly what’s needed based on your situation.

Turn Your Investment Into Opportunity

Randy Bongard with Price Mortgage specializes in helping real estate investors access financing that fits their portfolio. With expertise in DSCR lending, Randy provides personalized support to help you maximize property potential. The DSCR Loan Program allows you to use property income as a powerful tool for approval, whether you’re expanding your portfolio or purchasing your first rental. Complete the form below to get started and take the next step toward your investment goals.