Close Complex Deals
Without Complex Stress.
DSCR loans built around your investment strategy — not your tax returns. The Whigham Team brings 25+ years of mortgage expertise and 14+ years of investor-focused lending to every deal, so you can focus on acquiring the asset while we handle the financing.
Sound Familiar?
You’re losing time chasing lenders who don’t understand investor deals.
You’ve got the property identified, the numbers penciled out, and the exit strategy mapped. But the lender keeps asking for W-2s, personal tax returns, and documentation that has nothing to do with the asset. Weeks go by. The deal slips.
Underwriting keeps killing deals that should have closed.
You’ve been told “you’re approved” before — only to watch it fall apart in underwriting because the lender didn’t structure it correctly from day one. Conditions pile up. Timelines blow out. Sellers walk.
Your lender doesn’t speak investor.
Most loan officers are trained for owner-occupied transactions. They don’t understand DSCR ratios, LLC vesting, or how to structure a deal around projected rental income instead of personal income. You end up educating them instead of the other way around.
You’re being offered one product when your portfolio needs range.
Some lenders have one DSCR product and that’s it. No flexibility on LTV, no creative structuring for cash-out refinances, and no pathway if the numbers need a different approach. Your portfolio is sophisticated. Your lending partner should be, too.
That's exactly why investors across California work with the Whigham Team. We don't just offer DSCR loans — we architect the financing around your investment.
DSCR Financing Designed for
Serious California Investors.
The Whigham Team specializes in DSCR loans for investors acquiring and refinancing investment properties across California. Unlike lenders who bolt on an investor product as an afterthought, this is what we do every day.
No Tax Returns. No W-2s. No Personal Income Docs.
DSCR loans qualify based on the property’s rental income — not yours. Whether you’re self-employed, hold properties in an LLC, or simply don’t want to expose your full financial picture, we structure the deal around the asset’s cash flow.
A Full Range of Lending Solutions — Not Just One Product.
Purchase or refinance. Multi-family or single-family rental. Interest-only or fully amortizing. Hard money exit or new acquisition. Most lenders offer a single DSCR product and hope it fits. We match the structure to your strategy, because not every deal looks the same.
White-Glove Execution From Application to Close.
We underwrite with the end in mind. That means fewer conditions, fewer surprises, and faster closings. Our team manages the entire process so you can focus on what you do best: finding and managing assets that build long-term wealth.
How DSCR Loans Work.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's ability to generate rental income — not your personal employment, tax returns, or debt-to-income ratio. It's the preferred financing tool for experienced and first-time investors alike who want to scale without the constraints of conventional underwriting.
The Formula
DSCR = Monthly Rental Income ÷ Monthly Debt Obligation (PITIA)
A DSCR of 1.0 means rental income covers the full mortgage payment. Above 1.0 means positive cash flow. Many of our clients qualify at 1.1–1.25+, unlocking better rates and terms.
Credit Score
600+ qualifies — 700+ unlocks the best rates and LTV
Property Type
Investment property only (1–4 units, multi-family, short-term rentals)
Income Documentation
None. Qualification is based on the property’s rental income.
Down Payment
Starting at 15–25% depending on DSCR ratio and property
Loan Amounts
Up to $2M–$5M+ depending on the deal
Closing Timeline
Significantly faster than conventional — weeks, not months
Most investors don't realize they can qualify using future projected rental income — not just existing leases. If the numbers work on paper, we can likely make the loan work.
Your Dedicated DSCR Deal Team.
When you work with US Home Portal, you're not handed off to a call center. You're working with a team that specializes in investor financing — led by a broker who's been structuring complex deals for over two decades.
Jason Whigham
Principal Broker & Lead DSCR Strategist
NMLS #1448396 | 25+ years in mortgage | 14+ years specializing in real estate investor lending
Jason leads every engagement with a focus on deal structure — ensuring the financing aligns with your investment thesis, not the other way around. His depth of experience across conventional, non-QM, and DSCR products means he can identify the right path before the first document is signed.
Jermaine Whigham
Investor Relations & Deal Coordinator
Jermaine is your point of contact from first conversation through closing. He ensures every file moves with intention, every question gets answered, and nothing falls through the cracks in your transaction.
Alan Nguyen
Digital Strategy & Investor Experience Lead
Alan designs and optimizes the systems that make working with our team feel effortless — from initial inquiry to post-close follow-up. He ensures the technology and communication behind every deal runs as smoothly as the underwriting.
Backed by a full team of processing, underwriting support, and transaction specialists dedicated to closing your deal on time.
What Our Clients Say.
“It's been a long road for both the Hubby & Myself but we finally did it! We got the key to our home, a dream come true. Jason was awesome & didn't give up on us — we started two years ago but every time we were almost ready, life happened and we never went through with it. But we finally did & we're glad we didn't give up. So if you're needing a loan officer, hit Jason up — he will help make your dreams come true like he did for us. Thanks for believing in us and helping us get a home. It's only uphill from here!”
— Jennifer H.
“I have been working with Jason for an entire year while my new home construction was underway. Jason and his team's performance was exceptional throughout the entire process! He was not only knowledgeable about loans and processing them but he delivered his services and products with the utmost professionalism. Jason's personality is an asset to the company. He makes you feel at ease during a sometimes stressful situation. I definitely will be a return customer and highly recommend him.”
— Turquoise D.
Questions Investors Ask.
Investors with a credit score of 600 or above looking to purchase or refinance an investment property. The property itself must generate — or have the potential to generate — enough rental income to cover the debt obligation. There's no personal income documentation required. Whether you're self-employed, hold properties through an LLC, or simply prefer not to disclose personal financials, DSCR financing works around the asset, not around you.
Unlike conventional loans that require tax returns and pay stubs, DSCR loans can qualify based on an appraiser's comparable rent schedule — meaning projected future rental income, not just an existing lease. If you're acquiring a vacant property and plan to lease it, the projected market rents may still qualify you. This is one of the most powerful and least understood aspects of DSCR lending.
Single-family rentals, 2–4 unit properties, multi-family, and short-term rentals (Airbnb, VRBO) can all qualify. The property must be an investment property — primary residences and second homes are not eligible for DSCR financing.
Conventional loans evaluate you — your income, your employment history, your personal debt-to-income ratio. DSCR loans evaluate the property. If the rental income covers the mortgage payment (principal, interest, taxes, insurance, and HOA), you can qualify regardless of your personal financial profile. This also means there's no limit on the number of DSCR loans you can hold.
Most deals we structure target a 1.0 DSCR or higher, meaning the rental income at least covers the full monthly payment. A ratio above 1.0 indicates positive cash flow and unlocks better rates and terms. In some cases, we can work with sub-1.0 ratios with additional reserves or a larger down payment.
Yes. Many of our investor clients hold properties through LLCs for liability protection. We regularly work with LLC-vested transactions and can advise on how the structure affects underwriting, including ownership percentages, operating agreements, and personal guarantees.
Significantly faster than conventional. Most DSCR transactions close in weeks, not months. Because there's no personal income to verify and less documentation overall, the underwriting process is streamlined. Complex deals may take slightly longer, but we set expectations clearly from day one.
Most lenders have one DSCR product and a generalist team. Jason Whigham has been a licensed mortgage broker for 25+ years with 14+ years focused specifically on investor lending. We offer a broader range of DSCR solutions than most — purchase, refinance, cash-out, interest-only, multi-family — and structure every deal around the investor's strategy, not around a rigid product box.
Let's Talk About Your Next Deal.
Whether you're eyeing a new acquisition or ready to refinance into smarter terms, the first step is a conversation. Fill out the form below and a member of the Whigham Team will be in touch within one business day.
Your information is confidential and never shared with third parties. Submitting this form does not obligate you to anything.