Zero tax returns
No W-2s, pay stubs or 1040s. The appraiser’s rent schedule or your lease is the income doc.
DSCR & investor loans · MN · WI · NDThe rent qualifies.
The rent qualifies.
Not your W-2.
Tiaira Quinn finances rental properties the way investors actually buy them — on the property’s cash flow, in your LLC if you want, without a single tax return. DSCR loans first, non-warrantable condos and bank statement loans when the deal calls for it.
Found a duplex in St. Paul 👀 Payment w/ taxes + insurance is about $2,400/mo. Will it qualify?
Let’s run the DSCR — rent ÷ payment. What does it rent for, both units combined?
Monthly rent (tap one)
DSCR ≈ 0.00Over 1.00 — the rent covers the payment. This qualifies on the property, not your W-2. 📈
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The DSCR benchmark
What a DSCR loan actually is
One ratio decides the deal: rent ÷ payment.
A DSCR loan (debt service coverage ratio) is an investment-property mortgage that qualifies on the property’s rental income instead of your personal income. Divide the monthly rent by the full monthly payment — principal, interest, taxes, insurance and HOA. At 1.00 the rent exactly covers the payment; above it, the property cash-flows on paper. No tax returns, no W-2s, no debt-to-income ratio.
Monthly rentPrincipal + interest + taxes + insurance + HOA=DSCR
Close in your LLC
Vest title in an entity from day one — the way serious investors hold property.
No property cap
Agency loans stop at ten financed properties. DSCR doesn’t count that way.
Fast, repeatable
Lighter file, fewer conditions. Once you’ve done one with Tiaira, the next one is a text message.
4.98 · 52 verified reviews
Meet Tiaira
Community advocate. Investor’s lender. Texts back.
Tiaira Quinn is a loan officer with Fairway Home Mortgage in Eden Prairie, Minnesota, licensed in Minnesota, Wisconsin and North Dakota. Her clients describe the same three things over and over: she communicates, she explains everything until it clicks, and she’s responsive at hours most lenders aren’t.
She built her reputation helping families buy their first home. Investing is the next chapter of that same mission — generational wealth doesn’t come from one house, it comes from the second and third. DSCR loans are how she gets you there without a mountain of paperwork.
From address to closing
How a DSCR deal moves with Tiaira
Four steps. Most of them are a text message.
Text her the deal
Address, purchase price, expected rent. That’s enough for a first read on the ratio — same day, usually.
Pricing & pre-qualification
Credit pull, reserves check, LLC docs if you’re using one. No income docs. You get real numbers to write the offer with.
Appraisal & rent schedule
The appraiser values the property and documents market rent. That rent schedule — or your lease — is what the DSCR is calculated on.
Close. Collect rent. Repeat.
Sign, fund, and hand the keys to your tenant. Your next deal starts with the same text — and a lighter file.
Investor loan programs
DSCR first. Everything else when the deal needs it.
Not every rental fits one box. These are the tools Tiaira reaches for — and she’ll tell you which one is cheapest for your scenario, not which one is easiest for her.
Flagship
DSCR Loans
Qualify on the property’s rent instead of your tax returns. The investor loan this whole site is built around.
Learn more →Non-Warrantable Condo Loans
When the building doesn’t fit Fannie/Freddie’s rules — investor-heavy, litigation, low reserves — there’s still a path.
Learn more →Bank Statement Loans
Self-employed and your tax returns don’t tell the real story? 12–24 months of deposits can qualify you instead.
Learn more →Conventional investor loans
The agency route: full income docs, often a lower rate than DSCR, and up to 10 financed properties.
Learn more →House hacking
Live in one unit, rent the rest. Low down payment because it’s your home — and the rent helps you qualify.
Learn more →Cash-out refinance
Pull equity out of a rental you already own — the “refinance” step of BRRRR — to fund the next one.
Learn more →Short-term rental loans
DSCR financing for Airbnb- and VRBO-style properties — qualified on booking history or market rent data.
Learn more →Interest-only DSCR
A lower monthly payment for the first 5–10 years — and on some programs, a better DSCR ratio because of it.
Learn more →Asset depletion
Qualify using your liquid assets as income — for investors, retirees, and anyone asset-rich and paycheck-light.
Learn more →No idea which one?
Text Tiaira the deal. She’ll run it two or three ways and tell you which program actually wins.
Text 651-334-9049 →Real clients, real reviews
Five stars.4.98 across 52 verified reviews
Verified on Experience.com — paraphrased highlights, every client real.
Great communication, knowledgeable, and genuinely helpful with everything I needed.
Anthony A. · Minneapolis, MNPurchase
Her response time and overall efficiency were unmatched — and she took extra care to make sure I was getting the best fit the whole way through.
Alyssa M. · New Brighton, MNPurchase
Always there to help no matter when or what it was. As a first-timer, having someone I could trust and rely on made all the difference.
Bronte B. · Edina, MNFirst purchase
Very responsive and extremely polite. She gave me multiple ways to make sure everything was secured and worked diligently to get me where I needed to be.
Broderick W. · Minneapolis, MNPurchase
Communication was always great. My questions were answered thoroughly and she made sure I understood everything that was going on.
Tiembra L. · Ramsey, MNPurchase
She made my first home purchase a smooth experience — professional, communicative and dedicated.
Virginia K. · Minneapolis, MNFirst purchase
Worked diligently on my loan from start to finish and was always helpful with information when I needed it.
Alexis T. · Saint Paul, MNPurchase
Everything was done in a very timely manner.
Anthony F. · Fridley, MNPurchase
No dumb questions
Investor vocabulary, translated.
PITIA. 1007 rent schedule. Prepayment penalty. Non-warrantable. The playbook and glossary explain every one of them the way Tiaira would over coffee — and the FAQ answers the ones people are embarrassed to ask.
do I need to already own a rental to get a DSCR loan?
Not on every program. Plenty allow first-time investors — some just want you to own your primary. Tell me where you’re at and I’ll match you to one that says yes.
Found a property? Run it by Tiaira.
Text her the address and the rent. You’ll get a straight read on whether it pencils as a DSCR deal — no pressure, no jargon, no obligation.