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.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.