TWG FinancialThe Western Group
Mortgage and Home Financing

Financing Solutions That Fit

Purchase and refinance lending from a team that knows your transaction inside and out — fast pre-approvals and a guided, paperless application.

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Investment Property Financing

DSCR Loans

A DSCR (Debt-Service Coverage Ratio) loan is a business-purpose mortgage for rental and investment properties that qualifies you on the property's income — not your personal income. Instead of tax returns, W-2s, or pay stubs, the lender simply measures whether the property's rent covers its debt: the DSCR ratio equals the monthly rent divided by the monthly payment (principal, interest, taxes, insurance and HOA). A ratio of 1.0 means the rent exactly covers the payment, and anything above 1.0 is positive cash flow. If the property cash-flows, you qualify — which makes DSCR loans the go-to tool for investors who want to grow a portfolio without the income hurdles and paperwork of a conventional mortgage.

What you'll need

  • Investment / non-owner-occupied property (1–4 units, condos, and many short-term rentals)
  • Qualification based on the property's rental income (DSCR ratio), not your job or W-2s
  • Typically 20–25% down on a purchase
  • Credit score generally 620+ (best pricing at 680+)
  • Appraisal with a market-rent schedule (Form 1007/216)
  • A few months of payment reserves
  • Hold title personally or in your LLC

Why investors choose DSCR

  • No income requirements — no tax returns, W-2s, or pay stubs
  • Qualify on the property, not your personal finances or DTI
  • Faster closings with far less documentation
  • No limit on the number of financed properties — scale your portfolio
  • Close in an LLC for liability protection and privacy
  • Purchase, rate-and-term refinance, or cash-out
  • Works for long-term and short-term (Airbnb / VRBO) rentals
  • Investor- and self-employed-friendly — no employment verification
  • Interest-only options often available

Financing Options

Competitive programs for every buyer.

Purchase Loans

Conventional, FHA, VA and jumbo financing — with pre-approval to make your offer stronger.

Refinance

Lower your rate, shorten your term, or tap equity with a streamlined refinance.

Pre-Approval

Know your budget before you shop. Get a clear, written pre-approval quickly.

How It Works

A guided application, reviewed by a licensed loan officer.

Apply online

Complete a secure, guided application and upload documents — no paperwork runaround.

We review

A licensed loan officer reviews your file and presents your options and terms.

Close with confidence

Coordinated with your TWGHomes purchase and A Secure Escrow for a smooth close.

Ready to get started?

Create your account and complete a secure, guided application — reviewed by a licensed loan officer.

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