Invest Smarter with DSCR & Bank-Statement Loans

Helping investors and self-employed borrowers qualify for real-estate financing using property cash flow with not tax returns.

Self-employed? Real estate investor? Irregular income? I help borrowers across the United States qualify for mortgages using cash flow (DSCR loans) and bank statements — no W-2s required.Hi, I’m Yaritza Rosa, Licensed Mortgage Loan Originator (NMLS #2560377).
I specialize in DSCR and Bank-Statement loans, giving you access to lenders that understand non-traditional income, so you can secure your investment or home with confidence.

Why Choose DSCR or Bank-Statement Loans?- DSCR Loans (Debt Service Coverage Ratio) — Approval based on the property’s cash flow, not your personal income. Perfect for investors growing rental portfolios in any state.
- Bank-Statement Loans — Qualify using 12–24 months of bank statements instead of tax returns. Designed for self-employed borrowers, freelancers, complex tax returns and entrepreneurs.
- Flexibility Nationwide — Solutions available for single-family homes, condos, and multifamily properties across most

Try our DSCR Calculator. See if your deal qualifies

DSCR Calculator

DSCR Calculator

Estimate Debt Service Coverage Ratio and monthly payment for investment properties.

Results

Monthly P&I
$0
Monthly PITIA
$0
DSCR
0.00
Guideline targets often ≥ 1.00–1.25 depending on program. This is an estimate; not a credit decision.
function fmt(n){return n.toLocaleString(undefined,{style:'currency',currency:'USD',maximumFractionDigits:0})} function calc(){ const rent = +document.getElementById('rent').value || 0; const other = +document.getElementById('otherIncome').value || 0; const vac = (+document.getElementById('vacancy').value || 0)/100; const opEx = +document.getElementById('opEx').value || 0; const tax = +document.getElementById('tax').value || 0; const ins = +document.getElementById('ins').value || 0; const hoa = +document.getElementById('hoa').value || 0; const loan = +document.getElementById('loan').value || 0; const rate = (+document.getElementById('rate').value || 0)/100; const termY = +document.getElementById('term').value || 30; const i = rate/12; const n = termY*12; const pi = i === 0 ? loan/n : loan * (i*Math.pow(1+i,n)) / (Math.pow(1+i,n)-1); const effIncome = (rent+other)*(1-vac); const expenses = opEx + tax + ins + hoa; const pitia = pi + tax + ins + hoa; const noi = effIncome - expenses; const dscr = pitia === 0 ? 0 : noi / pitia; document.getElementById('pi').textContent = fmt(pi); document.getElementById('pitia').textContent = fmt(pitia); document.getElementById('dscr').textContent = (dscr).toFixed(2); const box = document.getElementById('dscrBox'); box.classList.remove('good','warn','bad'); if(dscr >= 1.25){ box.classList.add('good'); } else if(dscr >= 1.0){ box.classList.add('warn'); } else { box.classList.add('bad'); } } document.querySelectorAll('input,select').forEach(el=>el.addEventListener('input',calc)); calc();

Contact me today

Learn more about our mortgage options and products to make your journey a success.

Text or Call me today:
📞 Phone: 786-558-3613

"Working with Yaritza Rosa was a fantastic experience! They guided us through every step of the mortgage process and found us the best rate. Highly recommend!"
— Sarah T."I was referred to Yari by a friend, and I'm so grateful! They were patient, knowledgeable, and always had our best interests at heart. Thank you for making our dream a reality!"
— Lisa K."Yari made buying our first home stress-free! They were always available to answer our questions and ensured we understood everything. We couldn't be happier!"
— Mike & Jenna R.

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Thank you!

Your inquiry has been received! I will get back to you shortly to discuss how I can assist with your home-buying needs. In the meantime, feel free to reach out directly if you have any urgent questions.Contact Information:📧 Email: [email protected]
📞 Phone: 786-558-3613

Thank you!

Your inquiry has been received! I will get back to you shortly to discuss how I can assist with your home-buying needs. In the meantime, feel free to reach out directly if you have any urgent questions.Contact Information:📧 Email: [email protected]
📞 Phone: 786-558-3613

"Working with Yaritza Rosa was a fantastic experience! They guided us through every step of the mortgage process and found us the best rate. Highly recommend!"
— Sarah T.