Questions or need pre-approval Now? Call or text 602-614-7424 for all your mortgage needs!
DSCR Investor Loans
Invest in property with ease using a DSCR loan—qualify based on rental income and your Debt Service Coverage Ratio, not personal income
DSCR Loan Requirements
DSCR ratio of 1.0 or higher (Rent / PITI)
Up to 80% loan-to-value on investment properties
Minimum 620 credit score (higher scores get better terms)
Short-term rentals allowed using AirDNA or appraisal rent schedule
Six months of reserves required
No personal income or employment verification needed
Loans
Easy Loans For All
Joseph ValVerde NMLS # 1600827
Powered by Loan Factory Co-NMLS# 320841
Available 7 days a week by appointment!
Equal Housing Opportunity
NMLS Consumer Access
joseph.valverde@loanfactory.com
602-614-7424
Easy Loans For All is a division by Joseph ValVerde at Loan Factory. Not all products and loan programs are available in all states. Terms and conditions apply. This is not a commitment to lend. Rates, terms, and availability subject to change without notice.
All loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required, including flood insurance where applicable. Consult a tax advisor regarding the deductibility of interest.© 2025. All rights reserved.