Debt Service Coverage Ratio Loans & Investment Property Financing

Top Rated Investment Real Estate Lender - JPAL Mortgage

JPAL Mortgage is the premier investment real estate mortgage broker in Michigan. Our extensive commercial lending experience sets us apart from the rest. We've helped investors of all sizes. We have also vetted DSCR and investor programs across the country to find the best product for our investor clients. 

Why Choose JPAL Mortgage for Investment Property Loans in Michigan?

We've been helping investment real estate clients for many years in Michigan! From single-family homes to multi-million dollar commercial properties, our experience in investment properties stands apart. Our investor programs are diverse and competitive. Our advice and planning go beyond the mortgage, however. Let's take you to the next level!

Give us a call at 616-465-5725. Or fill out this short form and we'll respond quickly.

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What investment property loans are available?

We offer the following investment real estate mortgage programs in Michigan:

  • Fannie/Freddie investment property loans
  • DSCR loans
  • Commercial DSCR loans
  • DSCR portfolio loans
  • Commercial property loan consulting

We offer the following investment real estate mortgage programs beyond Michigan:

  • Commercial DSCR loans
  • Commercial portfolio DSCR loans
  • Commercial property loan consulting

What is Investment Property Financing?

An investment property is a property that is typically purchased for land development, reselling, or renting to tenants. The owner of the property doesn't live in a dwelling on the investment property.

What do I need to do to start financing an investment property?

Before you start looking for a property, we recommend taking an honest look at your finances and determining what you can afford for a down payment and an ongoing monthly payment.

When you're ready to start looking for a property, reach out to us and we'll help you get started on your investment property loan process!

What is a Debt Service Coverage Ratio (DSCR) Loan?

A Debt Service Coverage Ratio (DSCR) loan is built for investment properties with a solid rental income. Instead of tax returns, bank statements, and employment information, DSCR qualifies the loan using the net operating income (NOI) of the property.

Coverage ratio is a simple formula used to qualify a loan. At JPAL, we make it easy with a coverage ratio of 1.00x. This means that to qualify for a $3,000 monthly loan payment, the rental property needs a net operating income of $3,000 or more per month. Simple! There are other factors that go into underwriting these loans, but this is the basis of DSCR.

Is a DSCR mortgage loan right for me?

We write DSCR loans for personal and commercial investors. If you're looking to purchase or refinance a rental property, need cash out for additional investments, or your Debt-to-Income (DTI) is high, a DSCR loan might fit the bill. The best way to start is to reach out to us! We'd love to speak with you about all of your options and find the solution that makes the most sense for you.

What do clients say about us?

"Jeremy helped us with the purchase of our very first home. He was extremely helpful throughout the entire process. He answered every question we had - big or small - as if it was the most important thing he could be doing in that moment. He made us feel very cared for and was extremely efficient at giving us updates along the way. Do not question your choice to work with Jeremy! We are so glad we did."



"Adam made the lending process super easy and worry free. Very responsive and willing to take the time to educate throughout the process. Incredibly quick to close as well. Highly recommend for all your mortgage needs!"


"It was a pleasure working with Ryan! He was timely and knowledgeable about the industry. Ryan makes the home buying process enjoyable!"


"JPAL is absolutely fantastic! I've worked with Jeremy on multiple mortgages and he always impresses and delivers! What Jeremy and Adam are building at JPAL is excellent for all homeowners. I very highly recommend JPAL!!"


"Travis Hunt is the best mortgage professional I've worked with! He is knowledgeable, has great communication throughout the process and always puts the client's needs first! I'd recommend Travis Hunt and JPAL to anyone!"