Why Houston investors choose Rich Bonn for their DSCR loans
If you’re an investor, you’ve probably asked some version of this question (possibly while staring at a tax return with mild resentment):
“Why is it so hard to buy an income-producing property… when the property literally produces income?”
Enter the DSCR loan—a financing option that doesn’t care about your W-2, your adjusted gross income, or how creatively your CPA works magic in April. It cares about one thing, and one thing only:
Can the property pay for itself?
That’s it. No IRS obstacle course. No personal-income gymnastics. Just math that actually makes sense for investors.
What DSCR Actually Means (Without the Jargon Headache)
DSCR stands for Debt Service Coverage Ratio. It sounds intimidating, but the concept is refreshingly simple:
Does the rent from the property cover the mortgage payment?
If the answer is yes—or even close—you’re usually in business.
Instead of asking you to prove you’re worthy, the lender asks the property to pull its own weight. When it can, the property qualifies on its own merits.
Why Investors Call This the “Cheat Code”
Let’s be clear: this isn’t a loophole. It’s just lending logic finally catching up with how real estate investing actually works.
With a DSCR loan:
You’re not qualified on personal income
No W-2s required
No tax return deep dives
No explaining why your taxable income looks smaller than your lifestyle
Instead, you find a rental property with income potential, plug in the numbers, and let the cash flow do the talking.
That’s how investors scale portfolios without lighting their brains on fire.
Who This Loan Is Perfect For
A DSCR loan is especially powerful if you:
Own or want multiple rental properties
Are self-employed or write off a lot of income
Don’t want personal finances limiting your growth
Prefer clarity over complexity
In short, if your goal is to build a portfolio, not just buy a single property, this loan was built with you in mind.
The Smart Way to Use DSCR (This Part Matters)
Not every rental automatically qualifies—and that’s a good thing.
The right approach is to:
Analyze the rent
Compare it to the proposed mortgage
Run the DSCR numbers before you commit
This isn’t about hype. It’s about running the numbers together, calmly, and seeing whether the deal actually works. That’s how smart investors avoid surprises—and sleep better.
Why Work With Rich Bonn at Habayit Home Loans
DSCR loans look simple on the surface. The execution is where experience matters.
Rich Bonn specializes in helping investors understand:
How close is “close enough” on DSCR
How to structure deals for long-term scalability
How to use property cash flow strategically—not recklessly
No pressure. No urgency tactics. Just clear explanations, real numbers, and a focus on building something sustainable.
Because the best investment strategy isn’t speed—it’s clarity.
Ready to See If Your Next Rental Qualifies Itself?
If you’re considering your next investment property and want to know whether the property can stand on its own, the next step is simple:
Run the numbers.
Contact Information
Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225, Houston, TX 77096
