Under $100K
The broad small-balance range
Understand qualification, rental-income review, first-time investor options and the information needed for an initial scenario review.
Read the under-$100K guide →Small-balance rental property financing
DSCR loans under $100,000.
Financing for lower-priced rental properties that often fall below traditional lender minimums—without using personal employment income to qualify.
Business-purpose financing for non-owner-occupied investment properties. All programs, rates, terms and eligibility are subject to lender guidelines and change without notice.
Under $100KSpecialized loan-size focus
Down to $50KCurrent options may be available
Under $50K is also possibleSpecialty programs reviewed case by case
Nationwide DSCRProperty-state review required
Investor experienceBroker who owns rentals
A better fit for smaller deals
Your rental deal shouldn’t be too small to finance.
Many DSCR lenders set minimum loan amounts that leave affordable rental properties behind. I help investors evaluate specialized programs built for loan requests below $100,000.
A debt service coverage ratio loan generally looks to the property’s rental income and estimated housing expense rather than relying on W-2s or personal tax returns. Credit, reserves, property condition, valuation, rent and lender overlays still matter.
PurchasesRefinancesCash-out reviewFirst-time investor options
Choose your loan range
Start with the amount you actually need.
Under $75K
Below common lender minimums
Explore the extra attention given to property value, fixed costs, liquidity, credit and program availability at modest balances.
Read the under-$75K guide →Under $50K
A specialized program review
Learn about established-investor requirements, possible property-history restrictions, fees and prepayment structures.
Read the under-$50K guide →Put the property first
Estimate the numbers before requesting a review.
Use the calculators to estimate DSCR and monthly housing expense. They are educational tools, not a loan quote or approval.
Helpful details
Have these numbers ready
- Purchase price or estimated property value
- Requested loan amount or down payment
- Current lease or expected market rent
- Annual taxes, insurance and monthly HOA
- Estimated credit score and available reserves
A straightforward process
From scenario to application.
Share the deal
Send the address, price or value, expected rent, loan purpose, desired amount and estimated credit profile.
Review program fit
I compare the scenario against current small-balance guidelines and flag likely documentation or property issues.
Move securely
If there appears to be a fit, we discuss estimated terms and continue through a secure mortgage application.
Investor-to-investor perspective
Meet Brannon Harnish.
I’m Brannon Harnish, a Pennsylvania-based mortgage broker with more than a decade in the mortgage industry—and I’m a real estate investor, too.
I own rental properties and have worked through flips firsthand, so I understand that the right financing is about more than a rate sheet. The rent, repairs, reserves, closing costs and time involved all have to make sense together. That experience shapes the way I review every scenario.
My focus is helping investors navigate investment-property financing, especially smaller DSCR requests that can be difficult to place. I’ll explain the options in plain language, flag likely issues early and give you a practical review without promising approval or terms before a lender has evaluated the file. Untraditional mortgages can still be handled in a straightforward, human way.
Brannon Harnish · NMLS #1991975
NEXA Mortgage LLC · Company NMLS #1660690
Have a $40K, $60K or $80K loan?