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What Is a Debt Service Coverage Ratio and Why Does It Matter for Investors?

How DSCR measures rental income vs loan payments, affects approval, rates, and borrowing power — and ways to improve it.

Bank Statement Loans for Real Estate Investors: How They Work

Lenders use 12–24 months of bank deposits to qualify self-employed real estate investors when tax returns understate earnings.

Non-QM Loans Explained: The Investor's Complete Guide

Guide to Non-QM loans for investors — DSCR, bank‑statement, asset‑depletion and credit‑event programs, with pricing and qualification rules.

How Insurance Claims Work for Rental Properties

Navigate the insurance claims process for rental properties with key steps and tips to protect your investment effectively.

DSCR Loan for Multifamily Properties: What Every Investor Should Know

Let property cash flow qualify you: DSCR loans for duplex–fourplexes use gross rent ÷ PITIA—know DSCR, LTV, reserves, and common pitfalls.

Checklist for Tenant Credit and Background Checks

Streamline tenant screening with this comprehensive checklist covering consent, credit checks, background checks, and legal compliance.

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All rights reserved. © 2020 Loanguys.com, Equal Housing Lender, NMLS ID#: 2146944 California Finance Lender License#: 60DBO-155828
Figure: 7 TAC §80.200(b)"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."