Fontenot MortgageOdette Fontenot · Mortgage broker
(504) 555-0148

The loans

The maths

Odette

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The rent qualifies, not you

DSCR investment loans

On an investment property the lender can underwrite the rent instead of your income. Your personal paperwork barely appears.

A classic two-storey house exterior under a clear sky.
01Who this is for
  • Buyers of a rental double or a small multi in Bywater, Mid-City or Algiers Point
  • Owners refinancing out of a hard-money bridge into something long-term
  • Self-employed investors whose personal file is the hard part, not the property
02What it needs from you
  • A lease, or a market rent schedule from the appraiser where there is no lease yet
  • The property’s taxes, insurance and any association dues
  • Assets for the down payment and reserves
  • No income documents, no employment verification, no debt-to-income ratio
03What it costs you — the honest part
  • Down payments start higher — twenty to twenty-five percent is the usual shape.
  • Rates price above owner-occupied loans, and a lower coverage ratio prices worse again.
  • Short-term-rental income is treated very differently lender to lender, and New Orleans licensing rules matter here.
  • Insurance in this market can be the number that breaks the ratio, not the rate.
04How a file like this moves

  1. Price the insurance first

    In this market the insurance quote decides the deal more often than the interest rate does. We get it early.

  2. Run the ratio honestly

    Gross rent, less vacancy, against the full payment including taxes, insurance and dues.

  3. Fix the ratio, not the story

    More down, a longer term, or an interest-only period. Each moves the ratio a different amount and costs something different.

Ask Odette

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The next step

One person reads this. That person is me.

Tell me roughly how you get paid and what you are trying to buy. No documents, no application, no credit pull to have the first conversation.

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