America’s Common Sense Lender
The Justus Sharp Team of NFM Lending
Corporate Address: 1190 Winterson Road, Suite 300, Linthicum, MD 21090
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
Financing Based on Property Income
With DSCR loans, qualification is based on the property’s ability to generate income rather than the borrower’s personal tax returns or W-2s. This unique approach makes it easier for real estate investors to secure financing without having to provide complicated income documentation. By relying on rental income, DSCR loans focus on the performance of the investment itself, which is ideal for those growing a portfolio.
At Justus Sharp – NFM Lending, we offer a full range of mortgage solutions designed to fit every borrower’s needs. For investors, we provide flexible DSCR loans, investment loans, and specialized Airbnb & rental property loans to help grow your portfolio. Self-employed borrowers can benefit from our bank statement loans, while those needing fast, short-term financing can rely on our bridge loans. We also help veterans and service members access affordable homeownership through VA loans, and first-time or budget-conscious buyers can explore FHA loans alongside our down payment assistance programs. For those building a new home, our new build partnership program makes construction financing simple and stress-free. Whatever your goal, our team is here to guide you to the right loan program with confidence.
Streamlined Qualification Process
Traditional mortgages often require years of income statements, employment records, and strict debt-to-income ratios. DSCR loans simplify this process by focusing solely on the property’s debt service coverage ratio, which compares rental income to property expenses. This streamlined method saves time, reduces paperwork, and creates opportunities for investors who may not qualify under conventional standards.
Flexible Use for Investment Properties
DSCR loans offer broad flexibility, allowing financing for a wide range of property types. Whether it’s a short-term rental like an Airbnb, a long-term residential rental, or even a multi-unit property, DSCR loans adapt to the needs of investors. This flexibility makes them a powerful tool for diversifying an investment strategy and maximizing returns across different types of real estate.
Benefits of DSCR Loans
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Streamlined approval process focused on rental cash flow and expenses.
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Flexible financing options for short-term, long-term, or multi-unit rentals.
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Ideal solution for investors to diversify and expand real estate portfolios.
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Built to help investors scale quickly while creating sustainable wealth.
Designed for Real Estate Growth
DSCR loans are structured with real estate investors in mind, helping them scale portfolios faster and more efficiently. Since approval is tied to rental income rather than personal finances, investors can continue to add properties without hitting the same barriers that exist with traditional loans. This makes DSCR loans a strategic choice for anyone looking to build passive income streams and long-term wealth through real estate.
Why Choose Us
Choosing the right mortgage partner is one of the most important steps in your homeownership or investment journey. With Justus Sharp – NFM Lending, you gain more than a lender — you gain a dedicated partner who understands your goals, challenges, and opportunities. We combine personalized guidance with competitive loan options to make the financing process smooth, transparent, and stress-free.
We are known for
Personalized mortgage solutions tailored to each client’s unique goals.
A wide range of programs for homeowners and investors.
Competitive rates with flexible lending options to fit every budget.
Dedicated support that makes financing simple, fast, and stress-free.
"FAQs"
A DSCR (Debt Service Coverage Ratio) loan is a type of financing designed for real estate investors, where qualification is based on the property’s rental income rather than the borrower’s personal income or tax returns.
Unlike conventional loans that rely on W-2s, tax returns, and personal debt-to-income ratios, DSCR loans focus solely on whether the property’s rental income can cover its expenses and debt payments.
DSCR loans are ideal for real estate investors, self-employed individuals, or anyone looking to purchase or refinance rental properties without going through traditional income documentation.
DSCR loans can be used for short-term rentals, long-term residential rentals, and multi-unit investment properties, offering flexibility for different investment strategies.
Requirements vary, but generally a higher debt service coverage ratio (rental income relative to expenses) improves approval chances and loan terms. Even properties with lower ratios may qualify depending on the lender’s guidelines.
Guiding You Home with Confidence
With Justus Sharp – NFM Lending, our mission is to make the mortgage process simple, stress-free, and centered around your goals. Whether you’re a first-time buyer, an investor, or looking to refinance, we provide the expertise and loan programs to match your unique financial situation. With a focus on clarity, trust, and long-term relationships, we’re here to ensure you feel supported and confident in every decision on your path to homeownership.
