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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

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💡 DSCR Loans Made Easy: How Investors Qualify Without Tax Returns 📊

📽️ What’s a DSCR Loan? Simple Explainer for Real Estate Investors 🏘️

Bill Rapp, Commercial Mortgage Broker

September 17, 2025•2 min read

📽️ What’s a DSCR Loan? Simple Explainer for Real Estate Investors 🏘️

💡 DSCR Loans Made Easy: How Investors Qualify Without Tax Returns 📊

📽️ What’s a DSCR Loan? Simple Explainer for Real Estate Investors

If you’re a real estate investor looking to grow your portfolio, chances are you’ve heard the term DSCR loan. But what exactly is it, and why is it one of the most powerful financing tools available today? Let’s break it down in simple terms.

✅ What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is designed specifically for real estate investors. Instead of requiring traditional income documents like W-2s or tax returns, DSCR loans focus on the income the property generates.

In other words:
👉 Your property’s cash flow qualifies you, not your personal income.

🔑 How Does DSCR Work?

Lenders calculate DSCR by dividing the property’s net operating income (NOI) by the annual debt payments (principal + interest).

· If your property earns $12,000 annually in net operating income and your yearly mortgage payments are $10,000, your DSCR is 1.2.

· Most lenders look for a DSCR of 1.0 – 1.25 or higher, meaning the property’s income comfortably covers the loan payment.

🏘️ Benefits of DSCR Loans for Investors

· No Tax Returns Needed – Qualify without W-2s, pay stubs, or tax returns.

· Expand Faster – Use rental income to keep building your portfolio.

· Flexible Terms – Available for single-family rentals, multifamily (up to 4 units), condos, and townhomes.

· Refinance Options – Great for cash-out refinances to free up equity for new deals.

📊 Who Should Consider a DSCR Loan?

· Busy professionals (doctors, dentists, business owners) with limited time to document personal income.

· Real estate investors who want to leverage rental income to expand.

· Self-employed borrowers who don’t fit traditional lending boxes.

🚀 Why Work with a Mortgage Broker for DSCR Loans?

DSCR loans are a niche product, and every lender has unique requirements. A mortgage broker like Medallion Mortgage can:

· Compare multiple DSCR lenders.

· Find the best DSCR ratio requirement for your property.

· Structure your financing to help you grow faster.

💡 Final Takeaway

A DSCR loan is one of the simplest, most powerful ways for investors to qualify for financing without the red tape of traditional loans. If your property generates income, you may already be qualified.

👉 Ready to explore DSCR loans for your next investment? Let’s talk today.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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