Investor-first mortgage brokerage for business-purpose real estate.
About Simply Approved Mortgages: what do real estate investors need to know?
Simply Approved Mortgages is a licensed investor mortgage broker (NMLS #2620881) headquartered in Florida with Colorado residential licensing. DSCR, Foreign National, Construction, Fix & Flip, STR, Section 8 programs. LLC vesting, no tax returns. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Simply Approved Mortgages is a licensed investor mortgage broker (NMLS #2620881) headquartered in Florida with Colorado residential licensing.
- DSCR, Foreign National, Construction, Fix & Flip, STR, Section 8 programs.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
One desk. Every business-purpose program.
We built the Simply Approved DSCR desk to give real estate investors a single point of contact across the deals they actually do — long-term rentals, foreign-national purchases, ground-up builds, flips, short-term rentals, and Section 8 portfolios.
We are a mortgage brokerage, not a lender. Your scenario is packaged and placed with wholesale lending partners whose guidelines fit the deal; those lenders underwrite, approve, and fund the loan. Our job is structuring the file, shopping it, and keeping the transaction moving to the closing table.
What sets us apart
- Program breadth. Six investor programs — one team.
- Clear communication. Initial scenario review on complete submissions — usually the same business day. Formal pricing and terms follow lender underwriting.
- Entity-friendly. LLC, LP, S-Corp, C-Corp, and Series LLC vesting are commonly accepted on business-purpose programs.
- Licensing. Simply Approved Mortgages LLC, NMLS #2620881 — Florida Mortgage Broker License #MBR7685 and Colorado mortgage company registration for consumer residential activity; business-purpose investment property financing arranged in additional approved jurisdictions.
Talk to an investor loan officer
Send us your scenario. Real answers, real pricing.
Get Your Personalized Rate QuoteHow We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
Pick a loan type
You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.