Jessica Firmiano - Licensed Mortgage Loan Originator NMLS 1964533

10/18/2026

With a DSCR loan, the property matters just as much as the borrower. 🏠

DSCR lenders look closely at the collateral.. the property generally needs to be habitable, functional, and in acceptable condition, with utilities on so the appraiser can properly evaluate it.

Buying a property that needs some cosmetic updates? That may be completely workable. But if you're looking at a severely distressed or uninhabitable property, a standard DSCR loan may not be the right financing tool.

And remember: every DSCR lender has different collateral guidelines. That’s where having access to multiple lenders can make a difference.

10/10/2026

They danced. Then they had to actually play each other. 😂⚽

And the game did NOT disappoint.

Sisters before the whistle. Competitors until the final whistle. ❤️

Same house. Different jerseys. No easy touches.

10/08/2026

Part 2 of the DSCR 🏘

So what do you actually need for a DSCR loan?

You don’t necessarily need to already own a home or be a seasoned investor. Down payments commonly start around 20%, decent-to-good credit is generally important, and an appraisal is typically required to help determine both the property value and market rent.

Depending on the program, you may also be able to close in your personal name, LLC, or corporation.

And remember—the borrower isn’t the only one that has to qualify. The property does too.

Every lender has different guidelines, which is why knowing where to place the loan matters.

Part 3: What properties actually qualify for DSCR?

10/07/2026

DSCR Part 1 🏠

Want to buy an investment property without qualifying based on your job income?

That’s where a DSCR loan comes in.

Instead of focusing on your W-2s, pay stubs, tax returns and traditional debt-to-income ratio, DSCR financing focuses primarily on the property and the income it can generate.

And here’s something many investors don’t realize: a 1.0 DSCR isn’t always required. 👀

Different lenders = different guidelines and different options.

This is why shopping the loan program can be just as important as shopping for the property.

DSCR Series — Part 1 of 3
Part 2: What does it actually take to qualify?

Jessica Firmiano | Sr. Loan Originator
NMLS #1964533
Petra Cephas Residential Mortgage Brokers | NMLS #1222300
📲 908-656-3886

Program availability and guidelines vary by lender. Investment properties only; not for owner-occupied properties.

10/01/2026

🏢 Buying a condo? Getting pre-approved is only part of the equation.

With conventional financing, the lender may also need to review the condo association — including reserves, HOA delinquencies, insurance coverage, special assessments, major repairs, and sometimes litigation.

And if the condo doesn’t meet Fannie Mae or Freddie Mac guidelines, that doesn’t always mean the deal is dead. As a mortgage broker, I have access to Non-QM and alternative loan programs that may have different condo requirements.

Sometimes the answer isn’t “No.”
It’s “We need a different loan program.” 🔑

📲 Before you fall in love with a condo, make sure you’re working with someone who knows how to look at the whole picture.

Jessica Firmiano | Sr. Loan Originator
NMLS #1964533
Petra Cephas Residential Mortgage Brokers | NMLS #1222300
📞 908-656-3886

09/29/2026

My advice is to search for homes based on your monthly payment and not the home price!

09/10/2026

I think I would have loved to be this age during the '80s ♡

08/27/2026

✨ Recently Closed!

My client wanted to consolidate her high-interest credit cards into one lower-interest monthly payment, but another lender said her debt-to-income ratio was too high.

We found a solution that allowed us to consider both her and her husband’s household income—even though only she was on the loan—and she received her funds within days!

Every situation is different. If you’ve been denied or told you don’t qualify, let’s take another look. Click the link in my bio to apply or message me for more information.

07/03/2026

🇺🇸 250 years of America. Countless stories of hope, opportunity, and perseverance.

The American Dream has always been about more than just owning a home.. it's about creating a place where faith is nurtured, freedom is cherished, and family can thrive.

For generations, homeownership has represented stability, hard work, and the opportunity to build a better future. As we celebrate 250 years of our nation, I'm grateful to help families take one of the biggest steps toward that dream.

Today, we celebrate the blessings of living in a country where dreams can become reality and where a place to call home is still worth striving for.

Wishing you and your loved ones a safe, joyful, and meaningful Independence Day.

Happy 250th Birthday, America! 🇺🇸🏡

05/30/2026