Gregg Dahlenburg - NMLS #836052 - Senior Mortgage & Commercial Loan Broker

09/03/2026

08/29/2026

Understanding DSCR: How to Calculate It for Your Next Property

Many investors ask how lenders determine if a property qualifies for a DSCR (Debt Service Coverage Ratio) loan. The math is simpler than you might think!

DSCR measures a property’s ability to cover its own mortgage payments through the rental income it generates.

The formula:

Gross Monthly Rental Income ÷ Monthly Debt Service (PITI) = DSCR

A quick example:

Let’s say you are looking at a property with these numbers:

Projected Monthly Rent: $2,000

Monthly Mortgage Payment (Principal, Interest, Taxes, Insurance): $1,600

Calculation: $2,000 ÷ $1,600 = 1.25

In this example, your DSCR is 1.25. This means the property generates 125% of the income needed to cover the mortgage—a very healthy ratio for many lenders!

Why it matters:

DSCR > 1.0: The property is generating more income than it costs to carry the debt.

DSCR < 1.0: The property is not generating enough income to cover the debt on its own.

Have questions about calculating the DSCR for your specific deal? Drop them in the comments or send me a message!

08/29/2026

LLC vs. Individual Name: Which is better for your DSCR loan?

Deciding how to title your investment property is a big step for many investors. When it comes to DSCR loans, both options have unique implications for your strategy.

Holding in an LLC

Many investors choose an LLC to help with:

Liability protection: Keeps your personal assets separate from your investment property liabilities.

Scalability: Makes it cleaner to manage multiple properties within a business structure.

Privacy: Provides an extra layer of confidentiality for your property holdings.

Holding in an Individual Name

Some investors prefer to start with their personal name to:

Simplify the process: Easier initial setup and typically fewer administrative requirements.

Avoid additional costs: Saves on LLC registration and annual maintenance fees.

What it means for DSCR loans

One of the biggest benefits of DSCR financing is that it is designed for business-purpose loans. This means you often have the flexibility to choose the structure that best fits your long-term goals without compromising your financing options.

I’d love to hear from this community: Are you currently holding your properties in an LLC or your individual name? What was the biggest factor in your decision?

Share your thoughts in the comments below!

08/09/2026

If you’re purchasing or refinancing a rental property, here’s what sets DSCR Equity First (Debt Service Coverage Ratio) loans apart:

✅ 55% CLTV
✅ No DSCR Calculation
✅ Loan amounts $125k to $1.5M
✅ 1-4 Units
✅ First Time Investor/ Home Owner

DM/Email:- subject line: FB DSCR 55
[email protected] for more info.

07/25/2026

If you’re purchasing or refinancing a rental property, here’s what sets DSCR (Debt Service Coverage Ratio) loans apart:

✅ Title in LLC is allowed
✅ No personal income documentation required
✅ Based 100% on rental cash flow
✅ 1-10 Units

DM/Email:- subject line: FB DSCR
[email protected] for more info.

03/24/2026

Realtors grow your purchase business in 2026 with a LOW or NO downpayment Medical Professional Mortgage. Reach out for more information. [email protected] Subject line: FB MD - NMLS #836052

09/14/2025

Wanted to introduce myself to the group. I have been in the financial services industry 30+ years last 12 years on the lending side.

I'm a Senior Mortgage Broker lending on Residential in AZ, CA, OR & WA - Non-Owner Occupied/ Commercial in 40 States. I offer wholesale rates plus I work with 150+ lenders nationwide which allows me to shop the lowest rates & guideline flexibility.

Don't hesitate to reach out with any questions or scenarios. Gregg NMLS #836052

05/04/2025

💰Bank Statement Loans - No
TaxReturns Needed.
Self-employed? Don't worry — we've got you.

With our Bank Statement Loan
Program, you can qualify based on your business cash flow, not your tax returns.

✅Great for entrepreneurs
✅Fast approvals
✅No W2s required

DM or email:
[email protected] for more info.

03/20/2025

Tax season is here, and if you're expecting a refund, why not put it to work for your future? Instead of splurging, consider using it toward:

🏡Down Payment - Even a small refund can help you get closer to buying a home. Many loan programs allow low or even zero down payments!

🏡Closing Costs - Cover lender fees, inspections, and other costs so you can save your cash for home expenses.

🏡Home Improvements - Already own a home? Use your refund for upgrades that increase your home's value!

Your tax refund could be the key to homeownership this year. Ready to explore your mortgage option? Lets chat!

03/08/2025

Refinancing your mortgage can be a smart financial move, but before you apply, it's important to run the numbers. Here are three key factors to consider:

🏡Your Current Interest Rate - Even a small difference in percentage points can add up. Check your latest mortgage statement to see if refinancing will save you money.

🏡Loan Amount & Closing Costs - Refinancing comes with costs, typically 2-6% of the new loan. Knowing how much you'll borrow helps estimate these expenses.

🏡How Long You'll Stay - Find your break-even point. If closing costs are $3,600 and you save $100/ month, you'll need 36 months to recoup your costs.

Not sure if refinancing is the right move? I'm here to help! Reach out to discuss.