Investor and short sale

Financing built by somebody who has actually built.

Investor loans, DSCR, and short sale negotiation, from a broker who is also a developer and a construction company founder.

See if I qualifyTalk to Diego
DSCRQualify on the rent, not your return
Short salesDistressed deal negotiation
Build awareRenovation costs read properly

Investor and short sale

Why this is different here

Most brokers price an investment property. Fewer can tell you what it will cost to make that property rentable, which is the number that decides whether the deal works. Diego runs a construction company and develops property himself, so the renovation line in your model gets read by somebody who has paid those invoices.

That matters twice over. It shapes which loan program actually suits the project, and it means the equity assumption underneath the whole file is a real one rather than an optimistic one. A deal that only works on paper is a deal that fails at the appraisal.

  • First rental, or the fifth
  • DSCR loans qualified on the property income
  • Short sales and distressed purchases
  • Fix and hold, and BRRRR style refinances
  • Portfolio investors scaling past conventional limits

What is assessed

What a lender is actually looking at.

None of this is a secret, and knowing it early is the difference between a smooth file and a scramble two weeks before closing.

DSCR ratioThe rent divided by the payment. At 1.0 the property covers itself; above about 1.2 the pricing improves noticeably. Your personal income is often not used at all.
Down paymentTypically 20% to 25% on an investment purchase. More down moves the rate more on these than it does on a primary residence.
ReservesMost investor programs want several months of payments in reserve per property. This is the requirement that surprises people, so it is worth planning for early.
Short sale timingA short sale runs on the lender's clock, not the seller's. Having financing arranged before the approval letter lands is usually what decides whether the deal survives.

Three minutes

Find out where you stand on this program.

The qualifier asks five questions and comes back with the programs you fit and an estimated monthly payment. It does not run a credit check to do it.

  • No credit check to get an answer
  • An estimated payment before anyone calls you
  • Routed to a named loan officer, not a queue

See what you qualify for

Free

Questions

The ones people actually ask.

What is a DSCR loan?
A loan qualified on the property's rental income rather than on your personal income. There are no tax returns and no debt-to-income calculation on you. If the rent covers the payment, the file works.
How many properties can I finance?
Conventional financing gets tight past a handful. Investor and portfolio programs are built to keep going past that point, which is usually why an investor ends up with a broker rather than a bank.
Can you help on a short sale I am buying?
Yes, and that is the more common case. The financing has to be ready before the lender approves the sale, because these approvals arrive with short deadlines attached.
Do you lend on properties that need work?
It depends on how much work. Light cosmetic work is straightforward; anything structural changes the program. Send the scope and we will tell you which route it fits before you are committed.

Who handles investor and short sale

Diego Esquivel

Mortgage Broker · NMLS #1592085

A broker who is also a developer and a construction company founder. Diego can tell you what a property is really worth before a lender does.

Read the full profile (714) 469-9577

Other programs

Compare it against the alternatives.

Most borrowers fit more than one program. Which one is best depends on how long you will hold the loan, not only on what you qualify for today.

Buying a homePurchase loans RefinancingLower it or shorten it ConventionalFrom 3% down FHA3.5% down, 580+ VANo down payment USDAZero down, eligible areas JumboAbove the limit Bank statementSelf employed InvestorDSCR and short sales CommercialFive units and up

Get a straight answer before you commit to anything.

Three minutes, no credit check, no obligation, and a named loan officer on the other end of it.

See what I qualify for Or call (714) 469-9577

August Mortgage Group, NMLS #2642110. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval and property appraisal.