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Tired of hearing "this one's too complex" from traditional lenders? DSCR (Debt Service Coverage Ratio) financing was built for serious investors who don't have time for unnecessary friction. Qualify on the property's cash flow, take title in an LLC, and move on the deals others can't.
Borrowers can take title in an LLC (subject to approval), which may offer benefits like asset protection and a layer of privacy that traditional conventional loans simply don't allow. It's how serious investors structure their portfolios from day one. Ask us how it works for your specific scenario.
Supreme Lending (Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129) was built on the principle of "Serving Others Before Self." As a nationwide mortgage lender licensed across all 50 states, Supreme has helped thousands of families and investors find the right financing for their goals.
John Hambrick, Loan Officer (NMLS #2808786), brings personalized guidance and direct accountability to every file he handles.
DSCR scenarios live and die on speed and structure. John Hambrick works the file the way investors work their deals — direct, fast, and built around the math that actually matters. Bring the file other lenders said couldn't get done.
Supreme Lending NMLS #2129
John Hambrick NMLS #2808786
Licensed in 50 states
Equal Housing Opportunity Lender
Built for investors who refuse to hear "no."
Warrantable & Non-Warrantable Condos
Financing is available across both categories — including condos most banks reject outright.
Close in an LLC
Borrowers can take title in an LLC (subject to approval), which may offer benefits like asset protection and privacy.
No Personal Income Required
Qualify based on property cash flow. Your W-2s, K-1s, and tax returns sit this one out.
ARM and Interest-Only Options
Flexible loan structures to match your investment horizon and cash-flow targets.
Investment Properties Only
Designed exclusively for non-owner-occupied properties — no muddled qualifying.
First-Time Investors OK
You don't need a portfolio of 12 doors to qualify. Bring your first deal — we'll structure it.
FICO Down to 640
Credit minimums kept reasonable for serious investors with real-world profiles.
Can I qualify without using my personal income?
Yes. This program may allow borrowers to qualify based on the property’s cash flow instead of personal income documents like W-2s, K-1s, or tax returns. Approval depends on the property, borrower profile, and lender guidelines.
Can I close in an LLC?
Yes, borrowers may be able to take title in an LLC, subject to approval. This can be helpful for investors who want a more formal ownership structure, potential asset protection, or added privacy.
Can this be used for condos that other banks will not finance?
In many cases, yes. Financing may be available for both warrantable and non-warrantable condos, including condo scenarios that traditional banks may reject.
Do I need to already own investment properties to qualify?
No. First-time investors may be eligible. You do not need a large portfolio or years of landlord experience to explore this type of financing.
What credit score is needed?
Credit requirements may allow FICO scores down to 640, depending on the full loan scenario, property type, loan structure, and lender approval.
Long-term lease estimate is fine. We'll verify at underwriting.
Based on your answers, John can put together a personalized plan. Where should he send it?
By submitting this form, you are granting permission to Supreme Lending to contact you by mail, email, phone, or text, even if you are on a corporate, state or national Do Not Call list.
First of all, thank you.
Second of all. High five. ✋
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