Tim Baudis EmortgageGuy

08/27/2026

08/20/2026

08/18/2026

Buying another rental property but your personal income is holding you back?

A DSCR loan lets real estate investors qualify using the rental property instead of traditional personal income.

• No W-2s
• No pay stubs
• No personal tax returns
• Rental income helps qualify the property
• Designed for investment properties and rental homes

There are also No-DSCR loan programs where the property doesn’t need to meet a minimum debt service coverage ratio.

Your credit, down payment, reserves, property type and loan terms still matter.

If you’re looking for an investment property in San Diego, Orange County or anywhere in California, I help you find the property and fund the loan.

👇 Comment DSCR and I’ll run the numbers for you.

08/14/2026

Self-employed and your write-offs are making it harder to qualify?

A traditional mortgage may not be your only option.

Talked to a business owner this weekend. His company deposits close to a million a year. His tax return says seventy-five thousand.

His CPA did exactly what he's supposed to do. But when a lender only looks at tax returns, that's where the conversation stops.

A bank statement loan can use 12 to 24 months of deposits to calculate qualifying income instead.
For him, that changed things from thinking he was stuck renting to looking at homes around two million.

Bank statement loans can come with higher rates and different down payment requirements. That's the trade-off when you're self-employed. You either pay the taxes or you may pay a higher rate.
He said keep the write-offs.

Comment GUIDE and I'll show you what you may actually qualify for. Takes about ten minutes.