DSCR · NON-QM · CALIFORNIA & MISSOURI

Investment property loans for serious investors.

Qualify on rental income — not tax returns. DSCR and Non-QM financing across California & Missouri.

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SELECT YOUR MARKET
CALIFORNIA

Los Angeles & SoCal

LA · Santa Monica · Long Beach · Pasadena · Inland Empire · San Diego
Talk about your CA deal →
MISSOURI

Kansas City & St. Louis

KC · St. Louis · Springfield · Columbia · St. Charles · Cape Girardeau
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CALIFORNIA — ANTELOPE VALLEY

Lancaster & AV

VA · FHA · CalHFA DPA · DSCR · Bank statement · Edwards AFB
Talk about your AV deal →
CALIFORNIA — SCV

Santa Clarita Valley

Valencia · Stevenson Ranch · Saugus · Canyon Country · Jumbo · Non-QM
Talk about your SCV deal →
WHAT I FINANCE
DSCR Purchase DSCR Cash-Out Refi Bank Statement BRRRR Bridge Short-Term Rental Portfolio / Blanket 1099 Loans Conventional FHA VA No Tax Returns Required
INSIDE DSCR
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DSCR Insider — meet Jermaine
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DSCR Insider — investor tips
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DSCR Insider — self-employed & DSCR
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LOANS I WORK WITH

Not tied to one product — I shop multiple lenders and match the property, and your situation, to the right loan.

DSCR loan
Qualifies on the property's rent — rent ÷ PITIA — instead of your tax returns or personal income.
Often a fit for: buy-and-hold investors, self-employed buyers, anyone past the conventional property limit.
DSCR cash-out refinance
Pulls equity out of a rental that cash-flows, still qualifying on the property's income — not yours.
Often a fit for: BRRRR investors recycling capital, or funding the next purchase.
Bank-statement loan
Uses 12–24 months of bank deposits to show income instead of tax returns.
Often a fit for: self-employed borrowers whose write-offs understate their real income.
1099 loan
Qualifies on 1099 income instead of full tax returns.
Often a fit for: independent contractors and commission earners.
Bridge / BRRRR financing
Short-term financing to buy and rehab before refinancing into long-term debt.
Often a fit for: value-add investors who need speed up front, then exit into a DSCR loan.
Short-term rental (STR) loan
DSCR-style financing underwritten on short-term / Airbnb projected income.
Often a fit for: Airbnb / VRBO hosts in STR-friendly markets.
Portfolio / blanket loan
One loan structured across multiple properties.
Often a fit for: investors scaling a portfolio who want fewer payments.
Conventional
Traditional financing that qualifies on personal income and debt-to-income.
Often a fit for: W-2 buyers and earlier-stage investors under the conventional cap.
FHA
Lower-down-payment, owner-occupied financing on 1–4 unit properties.
Often a fit for: house-hackers buying a small multi-unit to live in one and rent the rest.
VA
Owner-occupied financing for eligible veterans, often with no down payment.
Often a fit for: veteran buyers and veteran house-hackers.
Non-QM jumbo
Larger-balance financing outside conventional limits, with flexible documentation.
Often a fit for: higher-priced California properties and rebuild scenarios.

Also available: investment-property HELOCs and construction financing — ask if your deal needs one. Educational only; not a commitment to lend.

TALK ABOUT YOUR DEAL

Send me the deal. I'll run the numbers.

Drop the property address and your projected rent. DSCR, bank-statement, conventional, FHA, VA, and bridge — shopped across multiple lenders.

Email me my deal Call or text · (213) 394-0583

Jermaine Fields · NMLS #2067609 · DSCR Insider — Powered by NEXA Lending · NEXA Mortgage, LLC #1660690 · 5559 S Sossaman Rd, Bldg #1, Ste #101, Mesa, AZ 85212 · www.NEXAMortgage.com · Licensed in California & Missouri only (not Kansas) · Equal Housing Lender · Not a commitment to lend.