Financing Solutions for Real Estate Investors

DSCR Loans are specifically designed for real estate investors who want to leverage their rental income to secure financing. With Shaun Utterson Mortgage Services, I help investors structure loans based on the property’s income rather than solely on personal income or traditional debt-to-income ratios. This makes it easier to qualify for financing when purchasing single-family homes, multi-unit properties, or investment portfolios.
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Leverage Rental Income for Maximum Loan Potential

One of the key advantages of DSCR Loans is the ability to base loan qualification on the property’s cash flow. By evaluating rental income and the debt service coverage ratio, I help clients secure higher loan amounts than might be possible with conventional lending criteria. This approach empowers investors to scale their real estate portfolios strategically while minimizing personal financial exposure.
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Flexible Terms for Diverse Investment Goals

DSCR Loans offer flexible terms tailored to the needs of real estate investors. Whether you are purchasing a single investment property, refinancing existing rentals, or acquiring multi-unit buildings, I guide you in selecting the loan term, interest rate structure, and amortization schedule that best aligns with your financial objectives. This flexibility ensures that your investment strategy is fully supported by your financing solution.
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Benefits of DSCR Loans

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Use Rental Income to Qualify: Financing based on property cash flow rather than personal income.

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Flexible Terms for Investors: Tailored solutions for single-family, multi-unit, or portfolio properties.

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Higher Loan Potential: Access larger financing amounts through income-based evaluation.

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Expert Guidance for ROI: Support in structuring loans to maximize investment returns.
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Streamlined Process for Investment Financing

With Shaun Utterson Mortgage Services, I simplify the DSCR Loan process so investors can act quickly in competitive real estate markets. From analyzing rental income and property performance to preparing documentation and coordinating with lenders, I ensure that every step is efficient and transparent. My goal is to provide a smooth, reliable experience that allows investors to focus on growing their portfolio rather than navigating complex financing hurdles.
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Why Choose Shaun Utterson Mortgage Services

With Shaun Utterson Mortgage Services, you gain a dedicated partner committed to guiding you through every step of the home financing process. I combine deep industry knowledge with personalized service, ensuring that each loan solution aligns with your unique goals and financial situation. Whether you are purchasing your first home, refinancing, or investing in property, I provide clear communication, expert advice, and a seamless experience from start to finish. My focus is on building trust, delivering competitive solutions, and empowering borrowers to make confident decisions.

We are known for

Personalized Guidance: Tailored mortgage solutions designed to meet each borrower’s unique needs.

Transparent Communication: Clear, step-by-step guidance throughout the entire mortgage process.

Fast and Reliable Service: Efficient loan processing and responsive support to keep your timeline on track.

Trusted Relationships: Building long-term connections with clients through professionalism and integrity.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

With Shaun Utterson Mortgage Services, I provide a wide range of loan programs, including VA, FHA, Conventional, USDA, DSCR, Jumbo, Bank Statement, Bridge Loans, HELOCs, and Down Payment Assistance, catering to first-time buyers, seasoned homeowners, and real estate investors.

I guide every borrower through a personalized consultation to evaluate your financial situation, goals, and eligibility, helping you choose the mortgage option that best fits your needs and long-term plans.

Yes. Programs like Bank Statement Loans and DSCR Loans are specifically designed to accommodate self-employed individuals and investors, allowing qualification based on bank statements or rental income rather than traditional W-2 documentation.

 

The timeline varies depending on the loan program and your documentation, but I strive to make the process as smooth and efficient as possible, keeping you informed at every step from pre-approval to closing.

Getting started is easy. Contact me at my Cherry Hill office, and I will schedule a consultation to review your goals, assess your eligibility, and guide you through the mortgage process with clear, personalized advice.

Expert Guidance to Maximize ROI

Investing in real estate requires both strategic planning and precise financial execution. DSCR Loans are most effective when borrowers understand how income, expenses, and loan structure impact overall returns. I provide personalized insights into property evaluation, cash flow analysis, and long-term investment planning, helping you make informed decisions that maximize your return on investment while minimizing risk.