Partners our investor clients use
Investor Partners: what do real estate investors need to know?
Vetted partners for real estate investors: business banking, LLC formation, DUNS and business credit, landlord insurance, property management software, ITIN, and title services. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Vetted partners for real estate investors: business banking, LLC formation, DUNS and business credit, landlord insurance, property management software, ITIN, and title services.
- 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.
Set up the business side of your rental portfolio
Business checking built for small operators, with expense tracking and tax buckets. Use it for reserves, rent deposits, and closing funds held in the entity's name.
Visit Lili Business BankingBusiness lines and term financing for your operating entity — useful for rehab carry, marketing, and establishing a credit file under the LLC rather than your personal name.
Visit Simply Approved Business LoansA DUNS number is the identifier most business credit reporting is tied to. Establishing it early gives your entity a credit history separate from your personal profile.
Visit Dun & BradstreetLandlord policies written for investment property, including short-term rental and vacant/renovation coverage. Lenders require evidence of insurance with mortgagee clause before closing.
Visit SteadilyProperty management software for rent collection, lease tracking, maintenance, and owner reporting — the same records underwriting asks for on portfolio and refinance files.
Visit DoorLoopCertifying Acceptance Agent service for foreign national investors who need an Individual Taxpayer Identification Number for US tax filings and banking.
Visit TheITINEntity formation, registered agent, EIN, and operating agreement — including formations for non-US founders. Our loans are vested in an entity, so this comes first.
Visit doolaTitle commitment, search, escrow, and closing coordination for investor transactions in an entity, including purchases, refinances, and assignments.
Visit Closed TitleSimply Approved Mortgages LLC is a mortgage broker — not a direct lender, law firm, tax advisor, insurance agency, bank, or title company. The partners listed here are independent companies that set their own pricing, terms, and eligibility. We may receive compensation if you open an account or purchase a service through these links, at no additional cost to you. Using a partner is never required to apply for or receive financing with us, and it does not affect your loan terms. Please do your own due diligence and consult your own attorney, accountant, and insurance professional.
How 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.