DSCR, bridge, HELOC, and non-QM financing for California real estate investors. Institutional underwriting background. Full product access through NEXA Mortgage.
DSCR loans qualify based on the property's rental income relative to its debt service. Your tax returns, W-2, or personal DTI stay out of the equation.
If monthly rent covers the mortgage payment, you can qualify. A 1.0+ DSCR means the property pays for itself. Many products go below 1.0 with compensating factors.
Self-employed investors, business owners, and operators who write off too much on paper can still qualify. The asset drives the underwriting — not your 1040.
Keep your portfolio structured correctly. DSCR loans close in an LLC — maintaining separation between personal and investment finances.
Conventional loans stop working after a few properties. DSCR scales with your portfolio — built for investors who aren't stopping at two or three doors.
One relationship. Access to DSCR, bridge, HELOC, conventional, jumbo, and non-QM products through NEXA Mortgage's full lender network.
Qualify on the property's cash flow. No income documentation required. Rates, terms, and structures built for rental portfolios.
Move fast on acquisitions. Asset-based underwriting — credit and income play a smaller role. Pair with a DSCR refi at stabilization.
Tap equity in existing properties to fund your next acquisition, down payment, or rehab — without selling the asset.
Full conventional and jumbo access for CA investors who qualify on income. Critical in high-cost LA markets where loan sizes exceed standard limits.
Licensed in California. Focused on the investor markets where DSCR and non-QM financing make the most sense right now.
High property values push deals into jumbo territory. DSCR products that scale with LA price points — SFR, multi-family, and small commercial.
Strong rent growth, institutional investor demand, and DSCR ratios that pencil on SFR and small multi-family. One of the most active investor markets in SoCal.
Lower entry prices with growing rental demand. One of the last affordable investor markets in Southern California with improving cash flow metrics.
STR-heavy market — DSCR loans underwritten on Airbnb/VRBO projected income. Desert luxury and workforce rentals across Palm Springs and surrounding cities.
Strong tenant demand, military-driven rental base, and consistent appreciation. DSCR and conventional products for a market that rarely softens.
Construction-to-permanent financing for owners rebuilding after the January 2025 fires. Your land + your rebuild plan = a viable path forward.
Before I originated loans, I was in the room where credit committees happened. At Colony Asset Management — part of Colony Capital — I worked alongside the team acquiring distressed loan portfolios directly from the FDIC out of failed bank receiverships post-2008. I hosted credit committee presentations where institutional capital decided which portfolios to bid on, what the collateral was worth, and what recovery looked like at scale. DSCR coverage, debt yield, cap rates, LTC ratios — I learned underwriting from the people whose money was on the line.
That background is what separates my approach. I can tell you why your deal pencils or why it doesn't — not just whether you qualify, but what the lender is actually looking at, how to structure the deal, and which product fits your situation best across a full product matrix.
Licensed Mortgage Loan Officer, NMLS #2067609, licensed in California (and Missouri). I built DSCR Insider to help serious investors understand how the financing actually works.
Tell me the deal — property type, market, what you're trying to do. I'll tell you if it pencils and which product fits. No fluff, no runaround.
Expect a response within 1 business day.
Urgent: jfields@nexalending.com