Your DSCR Loan Gets Done
With Us
*Some restrictions apply. Contact us for details.
We shop 40+ non-QM investor programs in-house to find you the best rate — and close in 2 weeks when others can't.
Cornerstone First Mortgage | NMLS #173855
Trusted by Real Investors
Don't just take our word for it. Here's what our clients have to say.
“My lender fell through 5 days before close. I was about to lose my earnest money. Tanner stepped in and got it done in 11 days. Absolute lifesaver.”
“They shopped my deal across 40+ programs and found me a rate 0.5% lower than my first quote. That's $200/month I'm keeping in my pocket.”
“Switched lenders mid-deal and they accepted my appraisal transfer. Saved me $600 and two weeks of waiting. These guys know what investors need.”
“My DSCR was 0.92 and everyone said no. Zac found a way to make it work. The property cash flows perfectly now that rates have come down.”
“I was turned down by two banks because of my write-offs. Tanner got my DSCR loan closed in 12 days. I've now funded 4 more properties through them.”
“The interest-only option was a game changer for my cash flow. I'm reinvesting the savings into my next property. These guys actually understand investors.”
Get Your DSCR Loan Quote
Answer a few questions to see your personalized options
What's your loan purpose?
How do you plan to use this financing?
Why Shop Yourself When We Do It For You?
Most DSCR lenders work with ONE investor. You get their rate, their terms — take it or leave it.
Typical DSCR Lender
Limited options
Single investor program
- -One rate to offer — take it or leave it
- -Limited program flexibility
- -You shop multiple lenders yourself
- -Repeat the process for each quote
Save My DSCR Loan
Maximum options
Investor programs shopped for you
- We find your best rate automatically
- Multiple program options to choose from
- One application, dozens of options
- In-house underwriting for all programs
We've Got You.
When another lender can't perform, the clock is ticking. Your earnest money, your deal, your reputation — all at risk.
We specialize in rescue closings for deals that other lenders dropped.
How We Rescue Your Deal
2-Week Close from Application
We move fast when you need it most — from application to funding in as little as 14 days.
In-House Underwriting
No waiting on third parties. Our team underwrites and approves your loan directly.
Appraisal Transfers Accepted
Keep your existing appraisal. No need to pay again or wait for a new one.
What is a DSCR Loan?
DSCR loans let you qualify based on your property's rental income — not your personal tax returns or W-2s.
Traditional Loans
The old way of doing things
- 2+ years of tax returns required
- W-2s, pay stubs, employment verification
- DTI ratio limits (43-50%)
- Self-employed income heavily scrutinized
- Property count limits (usually 10)
DSCR Loans
Built for investors
- No tax returns— qualify on rental income
- No employment verification required
- No DTI calculation— property cash flow matters
- Perfect for self-employed investors
- No property count limits— scale your portfolio
The DSCR Formula
Your DSCR is calculated by dividing your property's monthly rental income by its monthly debt payments (PITIA).
$2,500 rent ÷ $2,000 PITIA = 1.25 DSCR
How We Compare
| Feature | Typical DSCR Lender | Save My DSCR Loan |
|---|---|---|
| Investor Programs | 1 | 40+ |
| Appraisal Transfers | Rarely | Yes |
| Minimum DSCR | 1.0+ | 0.75 |
| Closing Speed | 30-45 days | 2 weeks |
| Rate Shopping | You do it | We do it for you |
| Underwriting | Third-party | In-house |
Why Investors Choose Us
We're real estate investors ourselves. We understand what you need to scale your portfolio.
2-Week Closings
Our in-house underwriting and funding means we close deals while others are still processing paperwork.
Under 1.0 DSCR
Most lenders require 1.0+ DSCR. We finance properties down to 0.75 for qualified borrowers.
Full-Service
From application to funding, you work directly with us. No handoffs, no call centers, no runaround.
Appraisal Transfers
Switched lenders mid-deal? We accept transferred appraisals to keep your closing on track.
Meet the Cook Brothers
We're the brothers behind the Cook Brothers Mortgage Team. From flipping burgers together in high school to saving deals and helping our investors win — we've always worked better as a team. We leverage our real-world experience as investors to deliver results in the mortgage industry.
5.0 on Google
Tanner Cook
Loan Officer
NMLS #2090424
Tanner doesn't miss a detail. He combs through every file and cross-references it against the right investor's guidelines to make sure nothing slips through the cracks. That precision is what keeps deals on track and closings on time.
Specialties
Zac Cook
Loan Officer
NMLS #2111496
Zac is the creative problem-solver. He works closely with every client so they know exactly what their mortgage payment and down payment will look like before they commit — no surprises, no guesswork.
Specialties
Frequently Asked Questions
Everything you need to know about DSCR loans.
Still have questions? We're here to help.
Call 480-420-4918