Build Wealth with Real Estate – Using Strategies That Scale
Comprehensive guidance and exclusive loan programs designed specifically for investors
- Learn how to finance investment property with 0% down
- Find out which properties make the best rentals in your market
- Ongoing guidance from a certified real estate investment specialist
- Access exclusive loan programs designed specifically for investors
- Get a custom game plan built for you that's tailored to your specific situation and needs
- Certified Investment Specialist
About Your Investment Partner
Backed by Stratlend Wealth Advisors – Because you deserve more than just an agent
Your Investment Advisor
As a member of Stratlend Wealth Advisors , your advisor has access to exclusive tools and knowledge to help you invest successfully. You’re getting not just an advisor, but a team of investor-savvy professionals behind the scenes.
With our partnership with Stratlend Wealth Advisors, we provide you access to:
- Exclusive loan programs not available to the general public
- Proprietary investment analysis tools and calculators
- A network of Attorneys, CPA's, Financial Advisors, & Strategic Lenders.
- Ongoing education and support throughout your investment journey
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Real Estate Investment Specialist
Wealth Advisors Partner
Proudly Partnered With
Stratlend Wealth Advisors provides our clients with institutional-level resources, expert guidance, and exclusive investment opportunities typically reserved for the wealthy.
Why Work With Me?
I provide specialized financing options and investment education to help you achieve your real estate goals.
- Access flexible financing options traditional lenders don't offer
- Qualify even with non-traditional income or credit situations
- Learn proven strategies to build a real estate portfolio
- Get expert guidance on investment opportunities
- Receive ongoing support throughout your journey
- Benefit from specialized knowledge and resources
Comprehensive Loan Programs
Financing solutions that fit your unique situation - whether you're a first-time investor or expanding your portfolio.
DSCR Loans
Perfect for investors - no income verification needed, qualify based on property cash flow
Non-QM Programs
Flexible solutions for clients with non-traditional income or credit situations
Bank Statement Loans
Ideal for self-employed clients - qualify using bank statements instead of tax returns
Private Money
Access private capital for unique opportunities and flexible financing solutions
Investment Education
Learn proven strategies to build wealth and grow your real estate portfolio.
How I'll Help You Grow Your Real Estate Portfolio
From your first investment property to a thriving portfolio, I'll guide you every step of the way with specialized financing and proven strategies:
Scale Your Portfolio
Acquire multiple properties with strategic financing that maximizes leverage and minimizes cash outlay. DSCR loans make it possible to grow quickly without income verification hurdles.
Diversify Property Types
Diversify across single-family, multi-family, and commercial properties. Different loan programs enable various investment strategies for a balanced portfolio.
Increase Cash Flow
Optimize rental income through the BRRRR method and strategic refinancing. Pull equity out of performing properties to fund new acquisitions.
Build Passive Income
Create sustainable passive income streams through turn-key rentals and long-term holds. Financing solutions support wealth-building strategies that generate consistent returns.
Maximize Returns
Use tools like the BRRRR calculator to analyze deals and project returns. Learn about leverage and equity management to make smarter investment decisions.
Investment Education
Access comprehensive resources on creative financing and investment strategies. Stay informed and confident with ongoing education and support.
Your Expert Support Team
Partner with industry-leading professionals who bring decades of combined expertise in lending, real estate, tax strategy, legal protection, and financial planning.
Colter Doty
Loan Strategist
Areas of Expertise
Your Name Here
Real Estate Broker
Areas of Expertise
Mark Connor
CPA
Areas of Expertise
Ryan Peabody
Trust Attorney
Areas of Expertise
Tarea Doty
Financial Advisor
Areas of Expertise
Frequently Asked Questions
Everything you need to know about DSCR loans and investment strategies
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of focusing on personal income, lenders evaluate the property’s cash flow. If the rental income covers the mortgage payment, you can qualify – making it perfect for investors with multiple properties or non-traditional income.
How much can I borrow with a DSCR loan?
DSCR loans typically range from $100,000 to $5 million+, with loan-to-value ratios up to 80%. The exact amount depends on the property’s rental income, your credit score, and the property value. We can help you determine your borrowing capacity based on your specific investment goals.
What credit score do I need for investment property loans?
Most DSCR lenders require a minimum credit score of 620-640, though better rates are available with scores above 700. We work with multiple lenders to find the best options for your credit profile and can advise on strategies to improve your score if needed.
Can I use a DSCR loan for my first investment property?
Yes! DSCR loans are excellent for first-time investors. You don’t need previous landlord experience. As long as the property’s rental income supports the loan payments (typically a DSCR of 1.0 or higher), you can qualify even if this is your first investment property.
What types of properties qualify for DSCR loans?
DSCR loans work for single-family homes, 2-4 unit properties, condos, townhomes, and even some short-term rental properties. The property must be used for investment purposes (not your primary residence) and generate rental income.
How quickly can I close on a DSCR loan?
Our streamlined process typically allows for closings in 21-30 days. Since DSCR loans don’t require extensive income documentation, the process is often faster than traditional mortgages. We’ll work to meet your timeline needs.
What's the difference between conventional and DSCR loans?
Conventional loans focus on your personal income (W2s, tax returns). DSCR loans focus on the property’s income. This makes DSCR loans ideal for self-employed investors, those with multiple properties, or anyone who prefers not to disclose personal income documentation.
Can I have multiple DSCR loans at once?
Absolutely! Many of our clients have 5, 10, or even 20+ DSCR loans. There’s no limit on the number of properties you can finance with DSCR loans, making them perfect for scaling your real estate portfolio quickly.
What are current DSCR loan rates?
DSCR loan rates are typically 0.5-1.5% higher than conventional loan rates and vary based on credit score, property type, DSCR ratio, and loan-to-value. Current rates are competitive, and we shop multiple lenders to secure the best terms for your situation.
Do you help with portfolio strategy and growth?
Yes! Beyond financing, we provide comprehensive investment strategy guidance. We help you analyze markets, evaluate properties, structure your portfolio for tax efficiency, and create a roadmap for long-term wealth building through real estate.