Jul 8, 2026 · 30 min · 9 segments
If you want to build a real estate portfolio but are stuck on income documentation or down payment requirements, DSCR loans and zero-down programs might be exactly what you need. Host Jean Mitchell of…
How can you help someone do that with them you know, in a very easy, I won't say easy.
Well, I try to walk everybody through different options throughout the process so that way they know and can make educated decisions before getting into.
Obviously, this is one of the biggest purchases that somebody's going to make in their life, right? So you want to make sure that, first off, that they're comfortable with everything and well-informed so they can make the best educated decision for themselves.
But for this particular program, the DSCR program, It goes a little bit different.
It allows them to use the projected rental income on the property that they're purchasing.
So as long as the rent comes within a certain threshold, so normally we like to see a one-to-one ratio, meaning that as long as the rent covers the mortgage payment, then that part of it is solid and they are qualified that way.
You don't have to qualify with your tax, no tax returns, no paychecks, no traditional income sources, which makes it so nice.
The whole stigma of around handing in you know, all your paperwork, all your tax returns and all your bank statements.
It's a lot, right? So this takes a little bit of that pressure off, a little bit of that nuance of having to hand over everything under the sun over to the lender in order to get you qualified.
We want to make sure, obviously, what you're getting into is being value-wise covered, what you're getting into.
We want to make sure you have sufficient assets to put money down and cover yourself in case of emergencies, just like anybody else would want.
How can you help someone do that with them you know, in a very easy, I won't say easy.
Well, I try to walk everybody through different options throughout the process so that way they know and can make educated decisions before getting into.
Obviously, this is one of the biggest purchases that somebody's going to make in their life, right? So you want to make sure that, first off, that they're comfortable with everything and well-informed so they can make the best educated decision for themselves.
But for this particular program, the DSCR program, It goes a little bit different.
It allows them to use the projected rental income on the property that they're purchasing.
So as long as the rent comes within a certain threshold, so normally we like to see a one-to-one ratio, meaning that as long as the rent covers the mortgage payment, then that part of it is solid and they are qualified that way.
You don't have to qualify with your tax, no tax returns, no paychecks, no traditional income sources, which makes it so nice.
The whole stigma of around handing in you know, all your paperwork, all your tax returns and all your bank statements.
It's a lot, right? So this takes a little bit of that pressure off, a little bit of that nuance of having to hand over everything under the sun over to the lender in order to get you qualified.
We want to make sure, obviously, what you're getting into is being value-wise covered, what you're getting into.
We want to make sure you have sufficient assets to put money down and cover yourself in case of emergencies, just like anybody else would want.
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