Quick video breaking down a powerful strategy every agent working with investors should understand — the DSCR loan

This program allows investors to qualify without tax returns, based purely on the rental income the property generates. Whether it’s a purchase, cash-out refinance, or even a second mortgage, this tool can help your clients keep expanding their portfolio — even if their income on paper doesn’t show it.

Quick Summary:
✅ Qualify based on rental income, not personal income
✅ 20% down typical, with flexibility based on credit and structure
✅ Works for traditional rentals or Airbnbs (we use AirDNA and appraiser rental analysis)
✅ Second-lien DSCR loans available — perfect for tapping equity in existing rentals
✅ Backed by real rental data — not the risky “no-doc” loans of the past

Action Items for You:
Watch the quick video to see a real example in action.
Share it with investor clients or anyone looking to build a rental portfolio.
Schedule a DSCR strategy call with me to review opportunities in your client base.
Ask me for our Airbnb/long-term rent analysis template to use in your next listing presentation.

P.S. – This program isn’t just for investors with dozens of homes. It’s perfect for first-time landlords, too. Let’s help your clients grow wealth through real estate without tax-return headaches.

Kevin Brierton
Branch Manager - Certified mortgage planning specialist - CLA
NMLS #599873
Scottsdale, AZ

CONNECT WITH ME

kevin@kevinbrierton.com
www.kevinbrierton.com
https://www.facebook.com/TheBriertonTeam

ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 1,650 families with more than $500 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.

In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!

Copyright © 2025 Luminate Bank NMLS# 1281698. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeraccess.org | Privacy Policy - https://www.luminate.bank/privacy-policy | Member FDIC | Equal Housing Lender