Is this a full loan application?

No. This is a short pre-qualification request, not a TILA/RESPA loan application. It does not ask for a Social Security number, date of birth, or personal income, and submitting it is not an offer of credit.

How fast will a loan officer respond?

A licensed loan officer reviews each scenario and typically responds the same business day with the documents needed to move forward.

Do you lend on owner-occupied homes?

No. Simply Approved Mortgages arranges business-purpose loans on non-owner-occupied investment property only.

Get pre-qualified

Start your investor scenario review.

Takes about 60 seconds — just your property basics and contact info. A licensed loan officer reviews your scenario, typically the same business day. No obligation.

Start My Approval See Today's Rates

Important disclosures

No obligation. No guaranteed approval. This is a request for pre-qualification for business-purpose investment property financing only and is not a commitment to lend or an offer of credit. Any rates, payments, loan amounts, terms, or other figures shown are estimates only and may change. Final eligibility, rates, terms, and approval are subject to a completed application, credit and property review, appraisal where required, verification of information, lender requirements, and full underwriting.

Investor pre-approval

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.

Loan type: DSCR rental loan

Tell us about your scenario

The form below is tailored to DSCR rental loan — only the questions your program needs.

Step 1 of 2 · Your infoYour info

Step 2 of 2 · Your deal & resultsYour deal

Which state is the property in? *The state you're buying in. You'll add the exact property address on the next step.

Your deal — the basics

Purchase or refinance a rental. The property's rent qualifies the loan.

What's your goal?

Purchase price ($)$450,000

Down payment (%)20%

Purchase contract executed?

Monthly rent ($)$2,800

HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.

Estimated credit rating

Your best estimate — final eligibility is confirmed during underwriting.

First name *Last name *Email *Phone *Format: (555) 123-4567 — start with + for an international number.

Business-purpose attestation: I certify that the loan proceeds will be used for business, commercial, or investment purposes — not for personal, family, or household use — and that the subject property is (or will be) non-owner-occupied. I understand this is a pre-qualification request (not a loan application under TILA/RESPA) and that these business-purpose loans are exempt from consumer mortgage disclosures (TRID/RESPA).I agree * By checking this box and submitting this form, I provide my express written consent to receive calls and messages from or on behalf of Simply Approved Mortgages LLC (NMLS #2620881) at the telephone number(s) and email address(es) I provide, including for marketing and telemarketing purposes. Communications may be made using live agents, an automatic telephone dialing system or other automated technology, prerecorded or artificial voice messages, AI-generated or AI-assisted voice technology, SMS/MMS text messages, and email, even if my telephone number is listed on a state or federal Do Not Call registry.I confirm that I am the subscriber or customary user of the telephone number(s) provided and am authorized to provide this consent. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help.My consent to receive automated, prerecorded, artificial-voice, AI-generated, or marketing communications is not a condition of purchasing any property, good, or service, applying for a mortgage, or receiving mortgage services or information from Simply Approved Mortgages LLC. I may revoke my consent at any time.All loans are subject to applicable lender underwriting, eligibility requirements, and approval.

This is a pre-qualification request — not a loan application under TILA/RESPA and not a loan approval, rate lock, offer, or commitment to lend. It does not trigger a Loan Estimate. If your loan requires one, the Loan Estimate is issued inside our loan origination system after you submit a complete application and your loan officer has reviewed your scenario.

Encrypted and never sold. Takes about 60 seconds.

Your answers save as you go. A licensed loan officer typically follows up the same business day · Simply Approved Mortgages LLC, NMLS #2620881.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

Secure, PCI-compliant checkout hosted by MeridianLink
Required for a formal investor pre-approval decision
Soft-touch process — your loan officer will guide you through it

Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

See all 3 bureau reports & scores before your lender does
Ongoing monitoring alerts you to new accounts or score changes
Fix errors early — cleaner credit can widen your investor loan options

Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.