FOR YOUR NEXT INVESTMENT
Buy a rental
Explore a purchase with an income review centered on eligible property rent.
DSCR INVESTMENT PROPERTY LOANS
Your next rental.A different wayto qualify.
Explore financing that starts with the property’s rental income. Ethan can help review the rent, proposed payment and the details of your investment.
Serving Arizona, California, Indiana, Ohio and Texas.
Loan options vary by lender, property and state.
Rental-focused qualificationPurchase or refinancePersonal guidance
For business-purpose, non-owner-occupied investment property. Eligible rent, credit, assets, property and other lender requirements apply. A DSCR illustration is not an approval or a profit forecast.
YOUR NEXT STEPSTEP 1 OF 2
Let’s look at your options.
Start with the rental and your goal.
A personal reply from Ethan
Your request has been received.
Ethan will review your inquiry and contact you personally to discuss your goals and possible next steps.
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12+ years
Mortgage experience
5 licensed states
AZ · CA · IN · OH · TX
One point of contact
Talk directly with Ethan
THE EXPERIENCE, IN THEIR WORDS
Real people.
Real mortgage stories.
A new home. A refinance. A clear next step.
Hear from clients who have worked with Ethan.
FEATURED REFINANCE CLIENT
Clear answers.
A more personal refinance.
Review summary Briana describes honest guidance and responsive communication during her refinance.
Refinance client experienceMORE CLIENT EXPERIENCES
REPEAT CLIENT
“Ethan is attentive, straight to the point, knows his stuff and works fast.”
PERSONAL ATTENTION
“He was very attentive and on the ball.”
YOUR INVESTMENT. YOUR NEXT STEP.
Let’s look at the full picture.
Share the rental property, your purchase or refinance goal, and how you intend to use and hold the investment.
Discuss my situationExcerpts and separately labeled summaries describe individual experiences, not guaranteed outcomes or results under a DSCR loan program. Ratings are separate platform snapshots, not a combined count of unique clients.
A RENTAL PROPERTY. A LONGER-TERM PLAN.
Start with the rent.
Look at the whole picture.
Whether you’re buying your first rental or reviewing one you already own, the property and your plan belong in the same conversation.
FOR A PROPERTY YOU OWN
Refinance a rental
Review a new loan alongside your current payment, term and investment plans.
FOR YOUR RENTAL EQUITY
Explore cash-out
Discuss whether an eligible rental can support a cash-out refinance.
FOR YOUR RENTAL STRATEGY
Long-term or short-term
Bring your rental strategy so the documentation and property eligibility can be reviewed.
Business-purpose, non-owner-occupied financing only. Programs, documentation and terms vary by lender and state. Not all applicants qualify. This is not a commitment to lend.
WHAT TO REVIEW TOGETHER
The rent is central. The details still count.
Eligible rental incomeA lender verifies acceptable rent using the required lease, appraisal or other rental documentation.
Proposed housing paymentPrincipal, interest, property taxes, insurance and association dues may be part of the ratio.
Borrower and reservesCredit, down payment or equity, liquidity, reserves and other requirements remain part of the review.
Property and strategyProperty condition, occupancy, rental type, ownership structure and the planned hold can affect options.
No single DSCR threshold or documentation rule applies to every lender. This is not a commitment to lend. Rental-loan program information ↗
UNDERSTAND THE RENTAL-INCOME REVIEW
Rent and payment.
See the relationship.
Try a simplified residential DSCR calculation using your own assumptions. The lender verifies the rent and determines its required payment calculation.
Starting values are examples only.
MONTHLY RENT ENTERED
$3,000Illustrative eligible rentMONTHLY PAYMENT ENTERED
$2,500Entered housing paymentIllustrative DSCR1.20
A ratio is not an approval or a profit forecast.
Review my actual optionsIllustrative DSCR = monthly eligible rent ÷ entered monthly housing payment. A 1.00 ratio means those two amounts are equal. This is not net cash flow: vacancy, repairs, management and other operating expenses are not included. Lender calculations and thresholds vary. Inputs stay on this page and are not submitted or saved.
THE TEAM PIKOFF APPROACH
Less guesswork.
More clarity.
You don’t need to have every answer before we talk. You just need a starting point.
Find my starting pointTell us the goal.
Share the rental property, your purchase or refinance goal, and how you intend to use and hold the investment.
Review the picture.
Review eligible rent, proposed payments, property details and available funds before comparing financing options.
Take the next step.
When you’re ready, continue through Barrett’s secure application and underwriting process.
YOUR MORTGAGE CONTACT
Ethan Pikoff
Loan Originator
Barrett Financial Group
Individual NMLS #1094319
View official Barrett profile A REAL PERSON. A CLEAR PLAN.
Your mortgage deserves
more than a call center.
Work directly with Ethan—from the first conversation to the next step in your financing.
Rental financing should make sense alongside your investment plan. Ethan helps you understand the property-income review, organize the required details and compare the tradeoffs before you move forward.
Plain-language guidanceUnderstand the reasoning behind the options.
A personal conversationTalk through your situation with the person handling it.
A practical next stepKnow what information to gather and where to start.
GOOD QUESTIONS. STRAIGHT ANSWERS.
A little clarity
before we talk.
Start with the questions that matter to your financing goals.
Ask Ethan directlyWhat does DSCR mean?
DSCR stands for debt service coverage ratio. For many residential rental programs, it compares eligible monthly rent with a defined monthly housing payment. Lenders determine the accepted income, payment components and required ratio.
Do I qualify using the rental instead of my paycheck?
Some DSCR programs focus on property rental income instead of a traditional personal-income calculation. Credit, assets, reserves, valuation and other documents are still reviewed. This is not a no-documentation or guaranteed-approval loan.
Can I use a DSCR loan for my primary residence?
This page is for business-purpose financing of non-owner-occupied investment property. A primary residence or personal-use vacation home needs a different mortgage review.
Can I use expected rent on a new purchase?
Some programs accept an appraisal-supported market-rent analysis, while others require leases or additional support. Ethan can explain what documentation a lender needs for the property and rental plan.
Are short-term rentals eligible?
They may be considered by some lenders. Acceptable rental history, income calculations, property types and restrictions vary. Short-term rental revenue is not automatically accepted at the amount an owner projects.
What does a ratio of 1.00 mean?
In the simplified illustration here, rent equals the entered housing payment. It does not mean the property breaks even or earns a profit. Vacancy, repairs, management and other operating costs are not included.
Can I refinance or take cash out?
Purchase, refinance and cash-out options may be available, subject to the lender and state. Refinancing replaces the existing loan and can change its rate, payment, term and total cost. Cash-out proceeds depend on equity, payoffs and other requirements.
Is there a prepayment penalty?
Some investor loans have prepayment provisions that affect the cost of selling or refinancing early. Ask for the exact terms and compare them with your expected holding period before committing.
Will this inquiry check my credit?
No. This form is a contact request and does not authorize a credit report. Share only general property and goal details; Ethan will explain the secure process for documents and any formal application.
LET’S LOOK AT THE POSSIBILITIES
Your rental.
A clearer next step.
Let’s review the property, the rent and your financing goals.