Where you stand right now
What your current position actually supports — funds, timing, and what would need to change if you're not there yet.
OMOllie MortgagesEmpowered by NEXA
Start Rental Financing Game PlanRental Property Financing
Know how you're financing it before the right property shows up
When the right property shows up, you should already understand the financing path and what needs to be in place to act on it.
Your Rental Property Financing Game Plan maps that financing path before you move into offers.
Start Rental Financing Game PlanAnswer a few questions, then pick a time that works.
Image placeholderA01 Outside-Evaluation VisualApproved rental-property / investor image to be inserted here.
Plan first. Offer second.
What your Game Plan covers
A practical look at where you are, how the financing may work, and what to do next.
How the financing can work
Which loan structures fit rental property, including options that use the property's rental income rather than traditional employment documentation.
The path forward
What to do before you start making offers, so financing isn't the thing that costs you the deal.
Headshot placeholderJesus SanchezProfessional headshot to be inserted.
Your Mortgage Strategist
A financing plan built around the property you're trying to buy
I help investors finance rental properties — including buyers whose rental financing did not rely on traditional W-2 or tax-return qualification.
Jesus Sanchez
Ollie Mortgages · Title and licensing treatment pending final verification
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What clients say
★★★★★
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Google Review
★★★★★
Verified review neededExact Google review text and reviewer display name will be inserted here.
Google Review
What happens when you start your Game Plan?
1
Tell me what you're working toward
Answer a few questions about the rental purchase you're considering.
2
Choose a time to talk
Schedule a Mortgage Strategy Call that works for you.
3
Leave with a clearer path
We'll discuss where you stand, the financing paths worth considering, and the next steps to work toward.
This is a conversation about your financing strategy. It's not a rate quote, a credit pull, or an application. The goal is to give you a clearer financing path and the next steps to work toward based on what we review together.
Start Rental Financing Game Plan
Answer a few questions, then pick a time that works.
Frequently asked questions
What is a DSCR loan?
A DSCR loan is an investment-property financing option that evaluates the property's rental income and expected housing expense as a major part of qualification rather than relying only on the borrower's traditional employment income.
Do I need W-2s or tax returns for a DSCR loan?
Not necessarily. Many DSCR programs are designed to evaluate the property's rental income rather than qualifying primarily from W-2 or tax-return income. Exact documentation depends on the property, borrower, loan structure, and lender guidelines.
Can I use DSCR financing if this is my first rental property?
Potentially, yes. First-time investors may have DSCR options available. Eligibility and terms depend on the complete scenario, so the Game Plan is intended to determine what financing paths are worth considering.
What types of properties can we discuss?
This campaign is focused on non-owner-occupied rental-property purchases, including 1–10 unit properties. The specific financing options available depend on the property type and transaction.
What if I'm still researching and haven't found a property?
That's fine. The Game Plan is specifically designed to help you understand the financing side before the right property appears, including what you may need to have in place before making offers.
Does starting the Game Plan mean I'm applying for a mortgage?
No. Starting the Game Plan begins with a short questionnaire and Mortgage Strategy Call. It is not itself a mortgage application, approval, or commitment to lend.
Be ready when the right rental property shows up.
Start your Rental Property Financing Game Plan and get clear on the financing path before you move into offers.
Start Rental Financing Game PlanAnswer a few questions, then pick a time that works.
OLLIE MORTGAGES
Empowered by NEXA
RENTAL PROPERTY FINANCING
Know how you're financing it before the right property shows up
When the right property shows up, you should already understand the financing path and what needs to be in place to act on it.
Your Rental Property Financing Game Plan maps that financing path before you move into offers.
Answer a few questions, then pick a time that works.
HERO TRUST ITEM PLACEHOLDER 1 — copy to be confirmed
HERO TRUST ITEM PLACEHOLDER 2 — copy to be confirmed
A01 HERO IMAGE PLACEHOLDER
Approved outside-evaluation rental-property visual will be inserted here.
Plan first. Offer second.
WHAT YOUR GAME PLAN COVERS
Where you stand right now
What your current position actually supports — funds, timing, and what would need to change if you're not there yet.
How the financing can work
Which loan structures fit rental property, including options that use the property's rental income rather than traditional employment documentation.
The path forward
What to do before you start making offers, so financing isn't the thing that costs you the deal.
HEADSHOT PLACEHOLDER
Professional headshot of Jesus Sanchez will be inserted here.
YOUR MORTGAGE STRATEGIST
A financing plan built around the property you're trying to buy
I help investors finance rental properties — including buyers whose rental financing did not rely on traditional W-2 or tax-return qualification.
Jesus Sanchez
Ollie Mortgages
Credential/value bullet placeholder
Credential/value bullet placeholder
Credential/value bullet placeholder
WHAT CLIENTS SAY
★★★★★
VERIFIED GOOGLE REVIEW PLACEHOLDER
Exact review text and reviewer display name will be inserted here.
Google Review
★★★★★
VERIFIED GOOGLE REVIEW PLACEHOLDER
Exact review text and reviewer display name will be inserted here.
Google Review
WHAT HAPPENS WHEN YOU START YOUR GAME PLAN?
1 — Tell me what you're working toward
Answer a few questions about the rental purchase you're considering.
2 — Choose a time to talk
Schedule a Mortgage Strategy Call that works for you.
3 — Leave with a clearer path
We'll discuss where you stand, the financing paths worth considering, and the next steps to work toward.
EXPECTATION
This is a conversation about your financing strategy. It's not a rate quote, a credit pull, or an application. The goal is to give you a clearer financing path and the next steps to work toward based on what we review together.
Start Rental Financing Game Plan
Answer a few questions, then pick a time that works.
Frequently asked questions
What is DSCR financing?
DSCR stands for Debt Service Coverage Ratio. It is an investment-property loan where the property's rental income, not your personal employment income, is the main thing used to qualify.
Do I need to show personal income or tax returns?
Often no. Many DSCR programs qualify the property rather than the borrower, which means W-2s, pay stubs and tax returns typically are not required. Requirements vary by program and by lender, so we confirm what applies to your situation on the call.
How is rental income evaluated?
Generally by comparing the market rent for the property against the total monthly payment, including principal, interest, taxes, insurance and any HOA dues. Market rent is usually supported by an appraisal-based rent schedule, an existing lease, or both.
What credit score do I need?
There is not one universal number. Minimums differ by program, and credit also affects your terms. Stronger credit generally opens more options. If you are not where you would like to be, part of the Game Plan is identifying what would need to change.
How much money do I need to put down?
Investment-property financing normally requires a meaningful down payment, noticeably more than an owner-occupied purchase. The exact amount depends on the program, the property and your overall profile. We walk through realistic ranges for your scenario.
Can I take cash out of a rental I already own?
Often yes. Cash-out is typically limited by the appraised value and the program's maximum loan-to-value, and there may be a required ownership period before cash-out is available. We review what is realistic for your property.
Can I hold the property in an LLC?
Many investment-property programs allow title to be held in an LLC or similar entity. Documentation for the entity is usually required, and a personal guarantee is common. We cover how this affects your file.
What types of property are eligible?
Commonly single-family rentals, condos, townhomes and small multi-unit residential properties. Eligibility for things like condotels, rural acreage, mixed-use or larger unit counts depends on the specific program.
What happens after I submit my Game Plan request?
You answer a few questions about the rental purchase you are considering, then choose a time for a Mortgage Strategy Call. On that call we discuss where you stand, the financing paths worth considering, and the next steps to work toward. It is not a rate quote, a credit pull, or an application.
BE READY WHEN THE RIGHT RENTAL PROPERTY SHOWS UP.
Start your Rental Property Financing Game Plan and get clear on the financing path before you move into offers.
Start Rental Financing Game Plan
Answer a few questions, then pick a time that works.
OLLIE MORTGAGES — FOOTER PLACEHOLDER
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