About
A broker practice built around Alabama rentals
We work for investors, not for a lender’s pipeline. That single fact shapes how we model a file, what we tell you when the numbers are thin, and why we keep the conversation in plain language.
What we do
DSCR Loans Alabama arranges business-purpose mortgage financing for non-owner-occupied rental property in Alabama. Our clients are landlords, small portfolio owners and out-of-state investors buying their first Alabama rental. The properties are single-family rentals, duplexes through fourplexes, small apartment buildings, townhomes, condominiums and the occasional furnished short-term rental.
We are a mortgage broker. We do not lend our own money, we do not underwrite the credit decision, and we do not service the loan after closing. What we do is match a property and a borrower to the wholesale programs that fit, assemble the file, and stay on it until the loan closes. That means we can move a file between lenders when one box does not fit, instead of defending a single product.
How we work
The first conversation is a modeling exercise. You give us an address, a rent figure and a loan amount. We pull the tax record, get a realistic insurance number, and divide. If the ratio is thin, you hear it then — not after an appraisal invoice and three weeks of underwriting.
Once a file is worth pursuing, we compare structures rather than quoting a single option. A prepayment penalty that never binds is not the same as one that costs real money in year two. An interest-only period that raises the ratio is not free. We put the trade-offs next to the numbers and let you choose with your holding plan in view.
What we do not do
- We do not arrange loans for owner-occupied homes, second homes or personal use.
- We do not publish interest rates or annual percentage rate figures on this site, because we are not a rate sheet.
- We do not promise approval. Underwriting belongs to the lender.
- We do not tell you a property works when the rent does not support it.
Why Alabama specifically
Alabama is not a single market, and the details that decide a file here are local: a 1920s Birmingham bungalow with a roof at the end of its life, a Madison subdivision house competing with new apartment supply, a Midtown Mobile cottage with a wind deductible written as a percentage of the dwelling limit, a Tuscaloosa student rental with a summer gap. We would rather know those details than pretend a national model applies.
If you want to talk about a property, start a file or run the numbers in the calculator first.
Next step
Want a second opinion on a property?
Send the address and the rent. We will tell you what the numbers support and which programs fit.