NO TAX RETURNS. NO W-2S. JUST CASH FLOW.
Scale Your Real Estate Portfolio with DSCR Loans from Matt Dean at NEXA Lending
The Investor’s Ultimate Financing Shortcut
Traditional banks want to see tax returns, W-2s, and complex debt-to-income (DTI) ratios. But as an active investor, your write-offs and deductions make you look less profitable on paper than you actually are.
Stop letting personal paperwork hold your portfolio back.
As your Non-QM DSCR expert backed by NEXA Lending—the largest mortgage broker in the country—I bypass standard red tape. We qualify your investment loan based entirely on the Debt Service Coverage Ratio (DSCR). If the property's rental income covers the mortgage payment, you qualify. It’s that simple.
Why Investors Choose Matt Dean & NEXA Lending
- The Power of 300+ Wholesale Lenders: Because NEXA is the nation's largest broker, I don't force you into a single bank's rigid box. I shop over 300 wholesale lenders simultaneously to find the exact rate, LTV, and terms that maximize your cash flow.
- Close in an LLC: Protect your personal assets. We can close your loan directly under your corporate entity or LLC.
- No Limits on Financed Properties: Traditional conforming limits don't apply here. Keep building and scaling without hitting an arbitrary financing cap.
- Flexible Loan Structures: Choose from 30-year fixed, Adjustable Rate Mortgages (ARMs), or Interest-Only payment options to maximize your early-stage cash-flow yield.
How the Simple DSCR Formula Works
We calculate your property's cash-flow health using a straightforward ratio.
- DSCR > 1.0: The property generates a positive cash flow. The rental income completely covers the Principal, Interest, Taxes, Insurance, and HOA dues (PITIA).
- The Sweet Spot (1.25+): A ratio of 1.25 or higher means your property generates 25% more income than its monthly debt obligations, securing you the absolute sharpest market rates.
Quick Qualifying Guidelines
| Parameter | Requirement |
| Minimum FICO | 620 (Lower options available on a case-by-case basis) |
| Property Types | 1-4 Unit Residential, 5-10 Unit Multifamily, Short-Term/Airbnb Rentals |
| Max Leverage | Up to 75% to 85% Loan-to-Value (LTV) for purchases |
| Loan Size | Financing available up to $3 Million |
| Liquidity Reserves | Typically requires 3-6 months of PITIA reserves in liquid accounts |
💬 What Investors Are Saying About Matt Dean:
"Matt is the kind of guy you want on your team when you have a complicated deal. He just doesn't quit. He stepped in and accomplished what seemed impossible with another lender, successfully closing our deal in just over two weeks."
— Stephanie M., Brinks Realty Investments, LLC
Ready to Run the Numbers on Your Next Deal?
Don't let a traditional bank's "No" kill a highly profitable real estate play. Let's look at the property's numbers and get you a custom quote in minutes.
