*Some restrictions apply. Contact us for details.
We shop multiple non-QM investor programs for your scenario and lay the real options side by side — then plan the closing around your contract deadline.
Cornerstone First Mortgage | NMLS #173855
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How do you plan to use this financing?
When a lender prices only its own program, the quote reflects one set of guidelines and one price. Comparing more means applying elsewhere yourself.
One set of guidelines
Single investor program
Maximum options
Investor programs shopped for 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.
Tell us the date your contract or current loan runs out. We map the appraisal, title and investor steps against it and tell you up front what is realistic.
We look for an investor program whose guidelines fit your scenario. Underwriting and approval are handled under that program, and we tell you who reviews your file and what they need.
Already paid for an appraisal? We check whether it can transfer under the receiving lender's appraisal, transfer and review rules, and tell you early if a new one is needed.
DSCR loans let you qualify based on your property's rental income — not your personal tax returns or W-2s.
The old way of doing things
Built for investors
Your DSCR is calculated by dividing your property's monthly rental income by its monthly debt payments (PITIA).
Rent of 1.25× the full PITIA = 1.25 DSCR
| Feature | What Drives It | Save My DSCR Loan |
|---|---|---|
| Investor Programs | A lender that prices one program can only offer that program and its guidelines. | Multiple investors |
| Appraisal Transfers | The receiving lender decides whether a prior report can be used. | Reviewed case by case |
| Minimum DSCR | Each investor sets its own floor; 1.0 means rent equals PITIA. | Programs down to 0.75 |
| Closing Timeline | Set by the appraisal, title work, investor review and how fast conditions clear. | Planned around your contract date |
| Rate Shopping | Comparing on your own means separate applications and quotes. | We compare programs for you |
The scenarios below are ones that can get a file turned down elsewhere. Because we shop multiple investor programs, we can often place the deals that a single lender can't — here is where select programs we work with can flex.
No tenant in place? We can qualify the property on market rent from the appraisal (Form 1007/1025), so a signed lease is not required to close.
A property that was recently listed for sale on the MLS does not automatically end your refinance; some programs we work with will still review it under their listing rules.
On select programs, a verification of mortgage (VOM) showing up to three 30-day late payments in the last 12 months on the subject property can still be reviewed.
Never owned a rental before? First-time investors can pursue a cash-out refinance, not just a purchase — the property income qualifies the file.
Airbnb and VRBO short-term rentals qualify, and projected market income can be used even when the property is currently sitting vacant.
A fix-and-hold DSCR path supports the rehab-to-rental strategy, bridging a renovation into long-term DSCR financing on the finished property.
Each flexibility is evaluated case-by-case. Multiple exceptions on a single loan are subject to underwriting review — not every combination is available together. Subject to credit review, property appraisal, and lender guidelines. Not a commitment to lend.
Deal needs a fast bridge or rehab first? Explore our hard money loan options for the short-term exit, then refinance into DSCR.
We're real estate investors ourselves. We understand what you need to scale your portfolio.
We plan the appraisal, title and investor steps around your contract date and flag early anything that could push it back.
Each investor sets its own minimum ratio. Some programs we work with go down to 0.75 for qualified borrowers.
From application to funding, you work directly with us. No handoffs, no call centers, no runaround.
Switched lenders mid-deal? Appraisal transfers are considered, subject to the receiving lender's appraisal, transfer and review requirements. If the report can't be used, we tell you early.
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. Today we put that same teamwork into investor loans, checking each file against the guidelines of the program it is headed to.
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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
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
Everything you need to know about DSCR loans.
Still have questions? We're here to help.
Call 469-405-2690Straight answers on DSCR rates, requirements, and strategy from our investment-property specialists.
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A DSCR loan appraisal sets your market rent via the 1007 rent schedule. See what appraisers check, how rental income is verified, and how to avoid delays.