Investing in Rental Property? Qualify on the Rent.
DSCR loans qualify on the property's rent, not your tax returns. Compare DSCR, conventional investment and self-employed options, then run the numbers.
- DSCR loans with no personal income documents
- Bank statement, P&L and 1099 options for the self-employed
- Buy, refinance or pull cash out of a rental
- DSCR and cash-deployment calculators
Estimates only. No SSN required for estimates. If you choose to apply, SSN and a hard credit inquiry may be required.
For Investors & Business Owners
DSCR, bank statement, and cash flow analysis tools
DSCR Loan Calculator
Estimate DSCR, max loan size, and cash flow fit for any rental property.
Cash Deployment Simulator
Compare down payment strategies and see how deploying capital differently affects total wealth.
Debt Consolidation
Model how rolling high-interest debt into a mortgage could lower your total monthly payment.
DSCR Rental Report
Generate a professional rental income analysis report for DSCR loan eligibility.
Guides for investors
Plain-English answers before you commit.
Looking for something else?
Why People Start Here
Most mortgage sites hand you one product and a rate ad. This one starts with your situation, shows you every loan that fits it, and gives you the tool to check the numbers yourself before you talk to anyone.
Real-World Logic
Built around how mortgage decisions actually work in practice — not simplified formulas.
Better Scenario Planning
Compare down payments, buydowns, refinance structures, cash flow models, and more.
Designed by a Pro
These tools come from real lending experience — not a generic software template.
Built for Clarity
The goal isn't to overwhelm you. It's to help you understand your options faster.
Why Work With the Todd Hanley Mortgage Team?
Access to multiple lenders. A vast selection of the most sought-after products. The knowledge, technology, and systems to deliver unmatched service for every type of need.
Rather Just Talk It Through? Skip the Questions.
Fifteen minutes with Todd covers what a quiz can't: your credit, your timeline, and the trade-offs between the options that fit.