Rental Income Qualification

Investor-Friendly Financing

Fast Loan Closings

Flexible Loan Programs

No Personal Income Required

Many DSCR loan programs qualify using property cash flow instead of W-2s or tax returns.

Quick & Simple Closings

Move from application to funding with an efficient mortgage process designed for investors.

Investor Mortgage Specialist

Work with a mortgage professional who focuses exclusively on real estate investment financing.

Finance More Properties

Build your rental portfolio with lending solutions created for long-term investment growth.

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DSCR Home Loans

Finance long-term rental properties using flexible lending based on property income and investment performance.

DSCR Airbnb/STR

Loan solutions for vacation rentals and short-term investment properties with competitive financing options.

Fix & Flip

Short-term bridge financing to purchase, renovate, and sell residential investment properties.

Mixed-Use DSCR

Finance eligible residential and commercial mixed-use properties with investor-focused mortgage solutions.

DSCR Care Homes

Flexible financing for assisted living facilities, senior housing, and residential care investments.

Co-Living & Padsplitting

Mortgage solutions for shared housing and room-rental investment properties designed for stronger cash flow.

01

Discuss Your Investment

Tell us about your property, financing goals, and investment strategy.

02

Compare Loan Options

We’ll review available DSCR programs and recommend financing that fits your investment objectives.

03

Close With Confidence

Complete your loan efficiently and focus on growing your real estate portfolio.

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American Singh profile picture
American Singh
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It was great working with Mike and his team. We got good rates, and the entire process was smooth and easy. As first-time home buyers, they helped us a lot through every step of the purchasing process.
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Makayla Thomas profile picture
Makayla Thomas
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Mike and his team were incredibly courteous and made my first-time home buying experience completely manageable. Their promptness, professionalism, and attention to detail made the process smooth and stress-free. I would highly recommend them to anyone in need of mortgage services!
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Natasha Sherman profile picture
Natasha Sherman
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Mike and his wonderful Co is the best partner in crime ever. As a Realtor, I feel absolutely confident and in good hands with his professionalism, his willingness to help, his bravery in taking on complex cases with diverse client situations, and his ability to reach goals and find the right solutions. I highly recommend you embark on your financial adventure to get the new house with Mike McFarland.
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Kevin Wessels profile picture
Kevin Wessels
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Mike is my go-to mortgage specialist. His knowledge of industry trends and current and forecasted mortgage rates is top notch. He has a wide array of solutions that can solve highly complex lending needs. Excellent end to end loan application process, too!
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Constantin Dragomirov profile picture
Constantin Dragomirov
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Working with Mike has been an absolute pleasure. He is incredibly detail‑oriented and takes the time to make sure every step of the mortgage process is clear and well‑explained. At the same time, he brings such a warm, personable approach that it instantly puts you at ease. Mike combines professionalism with genuine care, making the entire experience smooth, transparent, and incredibly comfortable. You can feel that he truly wants the best for you, and his dedication shows in every interaction. I highly recommend Mike to anyone looking for a trustworthy, knowledgeable, and supportive mortgage broker. He’s the kind of person who turns a stressful process into a positive and reassuring one.
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Nelly de Leon profile picture
Nelly de Leon
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We had the best experience! Prompt communication and very friendly. I highly recommend this company.
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Tammy Moore profile picture
Tammy Moore
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Mike and Leigh Anne were wonderful! They guided us the entire way through our refinancing. The process was easy and convenient! Thank you so much!
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Natalie Oliver profile picture
Natalie Oliver
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We had a great experience working with Mike as our mortgage broker! As first time home buyers, my husband and I appreciated the time he took to walk us through each step of the process. Through all the twists and turns of buying a house, Mike and his team remained dedicated, proactive, and very supportive, ultimately helping us to close on our dream home. We couldn't have done it without them and are so grateful for their guidance and patience! Thank you again!
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chris boyles profile picture
chris boyles
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I’ve been in the real estate business for 15 years and I can say with full confidence that Mike is one of the best in the business! He will go above and beyond for his clients to make sure they have a successful transaction that closes on time. I appreciate the transparency he has with all our clients to ensure they are prepared when the time comes to make a purchase.
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Emmanuel Fonseca profile picture
Emmanuel Fonseca
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Mike makes the entire process seamless for my clients. He has a wealth of knowledge and years of experience in business under his belt.

Austin, TX             Dallas, TX            Fort Worth, TX            Houston, TX            San Antonio, TX

Mike specializes in helping real estate investors secure flexible DSCR home loans for long-term rental properties financed through property cash flow rather than personal income documentation, while his DSCR Airbnb/STR loan programs offer competitive financing built around short-term and vacation rental income, his Fix & Flip loans provide short-term bridge financing for purchasing, renovating, and reselling investment properties, his Mixed-Use DSCR loans combine residential and commercial income streams for more complex properties, his DSCR Care Home loans are tailored to assisted living and senior housing investments, and his Co-Living & PadSplitting loans are structured for shared-housing properties with stronger per-room cash flow, with the full range of these investor-focused lending solutions available on the DSCR Loans homepage.

 

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