| For | Property managers and investor-focused agents |
| Typical questions | Rental acquisition, refinance and portfolio planning |
| Review | Property income, expenses, loan purpose and program fit |
Property managers and investor agents can introduce rental-property owners to Stonehaven Lending for a DSCR financing review. With the owner’s permission, start with the property state, rental income, estimated value, requested loan amount and financing purpose. DSCR underwriting considers property cash flow under the lender’s rules; a rent estimate alone does not establish eligibility.
Stonehaven Lending welcomes conversations about rental-property financing. We are a mortgage brokerage arranging financing through third-party lenders. Program availability, state requirements and lender underwriting determine whether a scenario can proceed.
When a DSCR discussion may be useful
DSCR stands for debt service coverage ratio. It compares income with debt service, but the exact underwriting calculation depends on the program. Do not assume that a headline rent figure, a property manager’s operating statement and a lender’s qualifying rental income are interchangeable.
A rental acquisition may raise questions about projected rent and the expected mortgage payment. A refinance may involve an existing loan balance, current lease income, a prepayment provision or a change in the owner’s plans. Explain those facts before assuming that a refinance would improve the owner’s position.
For an initial estimate, explore the DSCR analyzer and calculation methodology. A calculator is a planning tool. It is not an appraisal, lender quote or credit decision.
Build a short property summary
With the owner’s permission, identify the property state, unit count, current occupancy and intended rental use. Add the purchase price or estimated value, requested loan amount, current mortgage balance if applicable and the reason for financing. For a portfolio, separate properties instead of combining all income into one unexplained number.
Explain whether rent comes from an executed lease, a proposed lease, a market estimate or short-term rental history. Note known taxes, insurance, association charges and material operating costs. A vacant unit or recently completed renovation deserves an explanation rather than an optimistic rent assumption.
For short-term rentals, describe the current operating status and any known local-use restrictions. Lender acceptance of rental income does not establish that a property may legally operate as a short-term rental. The owner should resolve property-use questions with the relevant local advisers.
Keep management and mortgage work distinct
A manager can help an owner understand the property records already available. The owner should send loan applications and private supporting documents through the loan process. Do not quote loan terms, negotiate financing or hold yourself out as a mortgage originator without the required authority.
Ask the owner which updates can be shared with you. Property-level coordination may be useful, but a referral does not provide unrestricted access to credit or financial information.
Discuss the relationship before assuming compensation
This invitation does not promise a finder’s fee or a share of a loan commission. Although qualifying business-purpose loans have a federal RESPA exemption, state licensing and compensation rules still need review. The word DSCR alone does not settle those questions.
Introduce your rental-property practice
Tell Stonehaven about your practice, the states you cover and the financing questions your owners encounter. Start with a non-sensitive scenario summary. We can discuss which additional information is needed for a financing review without treating the introduction as a commitment to lend.
For residential buyer introductions, see the real estate agent guide. Licensed mortgage professionals can also read our guide to DSCR and commercial scenario referrals.