DSCR Loans for Real Estate Investors

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

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At Adam Closes, we make it easier for investors to grow their real estate portfolios with DSCR loans — a flexible, income-based lending solution designed specifically for rental property owners. Instead of qualifying based on your personal income, DSCR loans use the property’s cash flow and rental income to determine eligibility.

This makes them ideal for investors with multiple properties, self-employed borrowers, or those who reinvest their income into expanding their portfolio. DSCR loans simplify financing by focusing on performance, not pay stubs — helping you qualify faster and scale your investments efficiently.

With over 20 years of experience, Adam and his team understand how to structure DSCR loans that align with your financial goals. From single-family rentals to multi-unit properties, we provide clear communication, quick closings, and investor-focused guidance at every step.

Why a DSCR Loan Might Be Right for You

DSCR loans empower real estate investors by focusing on property income, offering flexibility, scalability, and smart financing for long-term growth.

Qualification Based on Cash Flow

Approval is determined by your property’s rental income — not personal income or employment.

Ideal for Investors

Perfect for experienced landlords and those building real estate portfolios.

No Tax Returns Required

Qualify using property performance instead of complex financial documentation.

Flexible Terms and Fast Closings

Choose from loan options tailored to your property type and investment goals.

DSCR loans are built for investors ready to expand their portfolio with confidence — financing based on results, not restrictions.

What to Expect from Our DSCR Loan Process

We evaluate your property’s rental income, calculate coverage ratios, and move you from pre-qualification to closing quickly with investor-focused support throughout the process.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete Your Secure Online Application

Complete our secure online application and upload your documents at your convenience.

Get Pre-Qualified With a Soft Credit Check

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

Shop for Your Home and Get Under Contract

With pre-qualification in hand, you can shop confidently and get your home under contract.

Close on Your Home

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

Real estate investing doesn’t have to be complicated. Adam helps investors like you secure financing that’s built around property performance, not personal paperwork.

We’ll help you evaluate rental income, run DSCR ratios, and get you pre-qualified fast. Call today or fill out the form below to explore how DSCR loans can help you scale your real estate portfolio with ease.

Frequently Asked Questions

What is a DSCR loan?

A Debt Service Coverage Ratio (DSCR) loan qualifies investors based on rental income rather than personal income.

What DSCR ratio is typically required?

Most lenders look for a DSCR of 1.0 or higher, meaning the property’s rental income covers or exceeds the mortgage payment.

Do DSCR loans require income verification?

Personal income verification is typically not required, making DSCR loans popular among real estate investors.

Can I purchase multiple investment properties with DSCR financing?

Yes, DSCR loans are often used for scaling rental portfolios and can be structured for multiple properties.

Find out your home loan options today

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