Tailored Financing for Real Estate Investors
DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors looking to qualify based on the income potential of the property rather than personal income. This means your approval is based on the property’s ability to generate enough rental income to cover its debt obligations. Whether you’re investing in single-family rentals, multi-unit properties, or short-term rentals, DSCR loans provide a streamlined path to funding without the hassle of traditional income documentation.
No Personal Income Verification Needed
Unlike conventional loans that require tax returns, W-2s, and complex income checks, DSCR loans focus solely on the property’s financial performance. This makes them a perfect fit for self-employed investors, entrepreneurs, or those with multiple income streams who want to avoid the roadblocks of standard mortgage processes. If your property meets the income coverage requirements, you’re already ahead in the approval process.
Ideal for Building and Expanding Portfolios
Whether you’re purchasing your first rental property or adding to an existing portfolio, DSCR loans allow you to scale your investments quickly. Many programs offer flexible terms, higher loan limits, and competitive rates to help you seize market opportunities. By leveraging the income potential of each property, you can secure financing for multiple properties without hitting traditional lending caps.
"The Coast2Coast Advantage"
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From VA and FHA to DSCR, jumbo, and niche investment programs, we have a solution for every borrower.
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Licensed in Arizona, Arkansas, Washington, and Idaho with insights into each market.
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We work to secure the best terms possible while keeping costs manageable.
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Clear communication, fast turnaround, and guidance at every step.
Fast, Flexible, and Investor-Friendly
Speed is often critical in real estate, and DSCR loans are structured for fast closings, minimal paperwork, and straightforward underwriting. With flexible terms, the ability to finance properties in LLCs, and the option to use projected rents, investors have the tools they need to act quickly. This investor-friendly approach helps you stay competitive in today’s market while keeping your financing simple and efficient.
Why Homebuyers & Investors Choose David Kulick – Coast2Coast Mortgage
With David Kulick – Coast2Coast Mortgage, we believe finding the right mortgage should be simple, transparent, and tailored to you. Whether you’re purchasing your first home, refinancing for better terms, or building an investment portfolio, we provide the expertise and loan options to make it happen.
We are known for
Unmatched Customer Service
Creative Financing Solutions
Speed & Efficiency
Trust & Transparency
"FAQs"
We offer a wide range of programs including VA Loans, FHA Loans, Conventional Loans, DSCR Programs, Short-Term Rental Loans, Jumbo Loans, USDA Loans, Self-Employed Loans, Pad Split Loans, and Foreign National Loans.
No. We work with borrowers across a wide credit spectrum and can recommend programs designed for those with less-than-perfect credit.
On average, most loans close within 30 days, but timelines can vary depending on the loan type and your readiness with required documentation.
We are currently licensed in Arizona, Arkansas, Washington, and Idaho, with deep expertise in each market’s unique lending requirements.
The easiest way is to contact us for a free consultation. We’ll review your goals, discuss your options, and guide you toward the best financing solution.
Your Mortgage, Your Way
With David Kulick – Coast2Coast Mortgage, we believe your financing should fit your life, not the other way around. That’s why we offer customized mortgage solutions designed around your goals, budget, and timeline. Whether you’re a first-time buyer, a seasoned investor, or refinancing for better terms, we tailor every detail to ensure your loan works for you—today and for years to come.
