Commercial Mortgages, Multifamily, and DSCR Investor Loans
Real estate investors scale through strategic debt structures. Scott L. Smith Sr. assists landlords, developers, and commercial operators in securing capital where qualifications are evaluated on the property’s revenue and debt-coverage ratio (DSCR), not restricted by personal W-2 ceilings.
Properties with 1–4 units fall under residential underwriting structures (even when operated as rental investments), while properties with 5+ units are strictly commercial real estate subject to commercial appraisal standards, operating expense ratios, and commercial debt yield metrics. DSCR loans are non-owner occupied investor loans; they are not all commercial mortgages.
DSCR Investor Loans
Debt Service Coverage Ratio loans evaluate the rental income generated by the subject property against its monthly principal, interest, taxes, and insurance (PITIA). No personal tax returns or employment verification required.
Calculation: Gross Rent / Total PITIA Payment
Target DSCR: Typically 1.0x to 1.25x (sub-1.0x options in select programs)
Entity: Close in LLC or Corporate Entity allowed
Short-Term Rental DSCR
Financing for vacation rentals and short-term properties. Qualified using 12-month AirDNA market projections or historical booking revenue instead of standard long-term lease agreements.
Revenue Proof: AirDNA projection or 12mo platform payout ledger
Occupancy: Non-owner occupied investor only
Locations: High-demand tourist or metro zones
Multifamily Loans (5+ Units)
Commercial real estate financing for apartment complexes and mixed-use residential assets. Underwritten based on Net Operating Income (NOI), cap rates, and rent roll stability.
Terms: 5, 7, 10-year fixed with 25-30 year amortization
Recourse: Recourse and Non-recourse structures available
Sponsor: Experience in multifamily management reviewed
Fix-and-Flip & Bridge Financing
Short-term bridge loans (12–24 months) providing up to 90% of purchase price and 100% of renovation budget, evaluated on After-Repair Value (ARV). Interest-only payments during construction.
Speed: Accelerated closing (typically 10–14 days)
Renovation: Escrow draws released upon milestone inspections
Exit: Sale or DSCR long-term refinance
Multiple-Property Portfolio Loans
Consolidate 3 to 50+ rental properties under a single blanket mortgage. Simplifies servicing, lowers transaction costs, and enables cash extraction across an entire portfolio.
Release Clause: Ability to sell individual doors with paydown
Efficiency: One monthly payment, cross-collateralized
Commercial Real Estate Mortgages
Acquisition and refinance for warehouses, light industrial, medical offices, retail strip centers, and owner-user commercial facilities.
Amortization: 20–25 year terms
LTV: Up to 70%–75% LTV depending on asset class
Calculate Your Property's DSCR Ratio
Use our interactive educational calculator to test your rental property's cash flow against estimated PITIA payments before applying.
Investor Consultation: Structuring Your Loan
Every investment deal has specific timing, lease, and prepayment penalty considerations (such as 3-2-1 or 5-4-3-2-1 structures). Scott evaluates whether a fixed-rate 30-year DSCR or an interest-only bridge facility aligns with your hold period.
Submit Commercial / DSCR Scenario
Describe your investment property or multifamily acquisition.