Investor Loan Products
Loan products designed specifically for real estate investors. Whether you're acquiring a long-term rental with a DSCR loan, flipping a distressed property, building ground-up, or tapping portfolio equity with a bridge loan, the Jay Dacey Mortgage Team structures investor financing across Minnesota, Wisconsin, North Dakota, and Florida.
Financing Built for Real Estate Investors
We offer certain loan products designed specifically for real estate investors. These loan products are only for non-owner-occupied properties — rental homes, flips, new construction, and portfolio holdings.
Unlike traditional mortgages that qualify you on personal W-2 income, many investor products qualify on the rental income the property itself produces (DSCR), or on the project's economics (fix & flip, ground-up). That means faster approvals, more deals, and the ability to hold title in an LLC or corporation.
The 2026 investment landscape remains strong across our markets — Minnesota rents and values continue to climb, Wisconsin and North Dakota offer stable cash-flow opportunities, and Florida remains a high-demand landlord market. With DSCR ratios of 1.0–1.25+ typically required and rates that adjust with the Fed, structuring the right product for your deal matters more than ever.
DSCR Loans
Purchase or refinance mortgages where qualifying income is based solely on the rental income from the subject property.
- Cannot be a first-time homebuyer, but no previous investor experience required
- Title can be held in personal name, LLC, or corporation
- Qualify on rental income, not personal tax returns
NOO Fix & Flip
Get the funds needed to renovate or purchase and renovate a distressed property. Property can be refinanced and held as a rental or sold upon completion.
- Borrower must have rental/flip history
- Up to 90% LTV
- Up to 18-month term
NOO Ground-Up Construction
Designed for builders to access funds to build new properties on undeveloped lots.
- Must have new construction experience
- Projects must be on investor-owned lots
- Up to 85% LTC • Up to 24-month term
NOO Investor Bridge Loans
Refinance completed projects or access equity in your existing portfolio to purchase investments in cash.
- Up to 12-month terms
- LTAIV up to 80%
- Access portfolio equity to fund your next deal
Investment Property (DSCR) Calculator
See whether your rental income covers the debt service — the key metric lenders use to qualify DSCR loans. If your scenario can't be calculated directly, submit it for a personalized review below.
Investment Property (DSCR) Calculator
Debt Service Coverage Ratio = Gross Monthly Rent / Total PITIA Payment
Acceptable DSCR - Cash Flow Positive
How DSCR Qualifying Works
The Debt Service Coverage Ratio (DSCR) measures whether a property's rental income covers its mortgage payment (principal, interest, taxes, insurance, and HOA — "PITIA"). Lenders typically look for a DSCR of 1.0 or higher, with 1.25+ unlocking the best rates and terms.
Strong — Prime Investor Rate Tier
Acceptable — Cash Flow Positive
May require larger down payment
Investor Markets We Serve
We originate investor loans across our four licensed states. Here's where investors are active in 2026:
Minnesota (Primary Focus)
Twin Cities metro rentals, Rochester growth corridor, and Duluth. Strong rent growth and steady demand from a diversified employer base.
Wisconsin
Madison and Milwaukee multi-family, plus vacation-rental opportunities in the Door County and Northwoods markets.
North Dakota
Fargo, Bismarck, and the energy-region markets — stable cash-flow rentals and workforce housing demand.
Florida
High-demand landlord markets across Tampa, Orlando, Jacksonville, and South Florida — strong rents and appreciation potential for out-of-state investors.
What Documents Will I Need?
Investor loans require less personal income documentation than traditional mortgages. Here's a general list — we'll send a customized checklist after your scenario review:
Frequently Asked Questions
Common questions about investor and DSCR loan products.
Submit Your Scenario for More Details
Every investment deal is unique. Run the DSCR calculator above, then submit your specific scenario and our team will structure the right product — DSCR, fix & flip, ground-up, or bridge — for your numbers. Call or text 651-315-7681 or take the quick review below.
Direct access to Jay Dacey (NMLS #375033) • Jay Dacey Mortgage Team, Inc. (NMLS #1812066)
What Our Clients Say
Real feedback from Minnesota, Wisconsin, North Dakota, and Florida homebuyers and refinancers.
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 200+ Verified Client Reviews
Ready to Get Started?
Choose the option below that works best for you to get started with the Jay Dacey Mortgage Team.
Schedule a Call
Book a 1-on-1 mortgage consultation to review your budget, rate options, and down payment strategies.
Apply Online
Start your secure application whenever you're ready — easy to use, available 24/7, and you can save your progress and come back to it anytime.
- Secure
- 24/7 Access
- Save & Resume