Daniel O'Brien at Emerald Financial Partners, Inc.
Daniel O'Brien
Emerald Financial Partners, Inc.
Phone: (407) 468-6429
Email: [email protected]
NMLS# 337465
Company NMLS# 1583337
Licensed in: FL, GA
Loan Programs · DSCR · Investment property
Qualify using the property's rental cash flow — not a traditional W-2 debt-to-income ratio. Dan O'Brien helps Florida and Georgia investors compare DSCR financing for single-family rentals, condos, townhomes, and small multifamily.
What is a DSCR loan?
DSCR stands for debt service coverage ratio. In plain terms, it compares the property's expected rental income to the proposed monthly housing payment (typically principal, interest, taxes, insurance, and association dues). If the rent can reasonably cover that payment at the program's required ratio, the file can move forward even when a conventional debt-to-income calculation would not.
These loans are for 1–4 unit residential investment property — a single-family rental, duplex, triplex, or fourplex, including many condos and townhomes used as rentals. They are business-purpose loans for non-owner-occupied homes. They are not the same as an FHA, VA, or conventional loan on a house you live in.
Dan O'Brien of Emerald Mortgage Partners in Altamonte Springs works with investors in Florida and Georgia (NMLS 337465; company NMLS 1583337). Call (407) 468-6429 or email [email protected] to review a specific address, rent roll, or purchase.
How DSCR typically works
These are program themes, not a quote. Credit, down payment, reserves, occupancy, and the DSCR threshold depend on the property, the investor, and current investor-loan guidelines. Nothing here is a commitment to lend.
Who often considers DSCR
Self-employed borrowers, landlords with depreciation on the return, and landlords scaling a small portfolio often look at DSCR because conventional underwriting can understate rental cash flow. It is also a fit when the property itself is the qualifying asset.
Minimum DSCR ratios, credit-score cutoffs, loan-to-value limits, and reserve requirements change by investor and by property. Posting a number as if it were your quote would be misleading. Dan will confirm current DSCR guidelines against your address, rents, and credit.
Read more in our Insights article on DSCR loans, then start a conversation so the numbers reflect a real property — not a webpage average.
Start online, send the address, or call Dan O'Brien at Emerald Mortgage Partners. Licensed in Florida and Georgia · NMLS 337465 · Company NMLS 1583337.
Emerald Mortgage Partners
Dan O'Brien | Emerald Mortgage Partners 498 Palm Springs Drive, Ste 138 Altamonte Springs, FL 32701
Direct: (407) 468-6429 [email protected]
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Licensing
Personal NMLS: 337465 Corporate NMLS: 1583337 Licensed in FL & GA NMLS Consumer Access
Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval. Rates, terms, and programs are subject to change without notice. DSCR loans are typically business-purpose, non-owner-occupied financing and are not Qualified Mortgages. Eligibility depends on the property, the borrower, and current investor guidelines.
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