Home Page
Welcome to your strategic financial destination. This is where you’ll be able to access custom lending programs through a comprehensive network of industry-leading DSCR and Commercial lenders.
I specialize in Investor and Non-QM portfolio-expanding scenarios as well as Commercial and Jumbo loans, all individually set up and structured to maximize leverage both short and long term plus programs many big banks don’t want to offer —providing you with more opportunities and greater options.
I pride myself on being consistent, reliable, easily accessible and confidential. You have direct access via phone, email, or text, I make it a priority to be available and always provide prompt, proactive communication.
DSCR & Investment Properties
DSCR Loan Options...in Plain English
Joe Bechtold, is a licensed mortgage loan originator (NMLS #2079403) based in Wheaton, Illinois and sponsored by Edge Home Finance, LLC (NMLS #891464).
This is where you'll find: DSCR loans — investment property mortgages qualified on the property's rental income, Commercial loans to $6 million, cash-out DSCR refinances, first-position HELOCs, jumbo and hard money loans. Licensed in Illinois and able to originate in most U.S. states through per-state regulations.
How DSCR works: Divide the property's gross monthly rent by its full monthly payment (principal, interest, taxes, insurance, and HOA — "PITIA"). A ratio of 1.0 means the rent covers the payment; 1.25 or higher typically earns the best pricing. No tax returns, W-2s, or employment verification are required, and loans can close in an LLC.
Key facts investors ask about
- Up to 85% LTV on qualifying DSCR purchases; 75–80% is the most common tier.
- Cash-out refinances (BRRRR exits) typically cap at 70–75% LTV.
- Commercial DSCR for 5+ unit and mixed-use properties up to $6M.
- Close in an LLC — standard on DSCR loans, unlike conventional financing.
- No property limit — finance an unlimited number of rentals, long- or short-term.
- Airbnb/VRBO income can qualify via 12-month statements or market rent analysis.
Joe Bechtold, is a licensed mortgage loan originator (NMLS #2079403) based in Wheaton, Illinois and sponsored by Edge Home Finance, LLC (NMLS #891464). This is where you'll find: DSCR loans — investment property mortgages qualified on the property's rental income, Commercial loans to $6 million, cash-out DSCR refinances, first-position HELOCs, jumbo and hard money loans. Licensed in Illinois and able to originate in most U.S. states through per-state regulations.
How DSCR works: Divide the property's gross monthly rent by its full monthly payment (principal, interest, taxes, insurance, and HOA — "PITIA"). A ratio of 1.0 means the rent covers the payment; 1.25 or higher typically earns the best pricing. No tax returns, W-2s, or employment verification are required, and loans can close in an LLC.
Run your own numbers before you apply: the free Investor DSCR Calculator computes your debt-service coverage ratio, monthly cash flow, cap rate, cash-on-cash return, and rate sensitivity in real time — for both purchases and cash-out refinances. You can also browse the DSCR glossary or the full investor FAQ.
Quick answers
What is a DSCR loan?
Who is Joe Bechtold?
What loan programs are available?
What DSCR do I need to qualify?
Expert guidance and advice from a trusted Mortgage Strategist licensed in Illinois and per individual state regulations, I can help you almost anywhere in the US.
I’m Joe Bechtold and I put my name solidly behind your trust.
Click the button below to begin the exciting journey to reach your goals with confidence.