Real estate investing should be about opportunity — not paperwork. With a Debt Service Coverage Ratio (DSCR) Loan, you can qualify for financing based on your property’s income potential, not your personal tax returns or employment documentation.
At Contour Mortgage, Tim and Liz Serratt help new and seasoned investors secure funding using the rental income generated by the property itself to demonstrate repayment ability. Whether you’re building a portfolio or buying your first investment home, DSCR loans make it faster and easier to scale your real estate goals.
Program highlights:
- Qualify using property income only — no personal income verification required.
- Ideal for both short- and long-term rentals — including Airbnb, VRBO, and traditional leases.
- Flexible property types — single-family homes, condos, and multi-unit properties eligible.
- Perfect for first-time or experienced investors looking to grow their portfolio efficiently.
With simplified documentation and flexible terms, DSCR loans allow you to focus on what matters most — building wealth through real estate.
What our Clients say
Trusted by families across the Treasure Coast.
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!
Im a 25 year old Navy veteran going through college. My wife and I wanted a house to start building our family and Tim made ut all possible. He worked with us to fix our finances, and get us into our dream house. My family and I are extremely greatful for the work that Tim did and we are hoping that if anyone is in a similar situation in life and are too scared to try, you feel a little more comfortable with letting Tim help you.