NON-OWNER-OCCUPIED
Residential investment
One-to-four-unit residential scenarios may involve DSCR, conventional or other investor programs, subject to property and borrower review.
Review residential programsPMA INVESTOR MORTGAGE REVIEW
Review the financing structure before committing to the transaction.
A preliminary review can compare DSCR, projected rent, reserves, leverage, and participating-lender requirements.
This is not an appraisal, investment recommendation, approval, or guarantee of profitability.
What we look at first
DSCR
Preliminary calculation
Based on assumptions that require verification.
Leverage
Requested structure
Subject to program, property, and borrower eligibility.
Reserves
Estimated range
Final requirements depend on the participating lender.
INVESTMENT PROPERTY PATHS
Residential and commercial belong here, with different underwriting logic.
Choose the asset class before modeling rent, cash flow, reserves, leverage and the participating lender path.
INVESTMENT CATEGORY
Commercial properties
Commercial scenarios require property-income, business-purpose, guarantor, liquidity and lender-specific analysis. They are not treated as owner-occupied home purchases.
Review a commercial scenarioProperty-use labels are educational starting points. Final occupancy, program, collateral, documentation and eligibility classifications depend on verified facts, underwriting and participating lender requirements.
INVESTOR SCENARIO PACK
What you get
An educational comparison of the requested structure and available assumptions.
Preliminary DSCR calculation
An initial view based on unverified rent and payment assumptions.
Leverage structure
An initial comparison of the requested amount and potential adjustments.
Estimated payment
An educational range for reviewing cash flow under explicit assumptions.
Potential program paths
Options subject to full review by a participating lender.
PUBLISHED EXPERIENCES
Investor-financing experiences shared by clients
Public reviews, multilingual support, and source details when available.
5.00
Average rating
Based on public reviews shown on the site.
48
Public reviews
Google, Facebook, and other verified sources when available.
EN / ES
Multilingual communication
Clearer communication for clients and real estate professionals.
Google
JR Gutierrez2024-07-31
HOW IT WORKS
How it works
A short process with less friction and a clearer next step.
1
Share the basics
Property type, expected rent, value, loan amount, and timeline.
2
We review the scenario
DSCR, leverage, reserves, and likely program fit.
3
You get next steps
Continue the review, revise the requested structure, or pause the financing process.
INITIAL DETAILS
Start the review with these five details
A preliminary review organizes the assumptions before a full application begins.
Property type
Expected rent
Approximate value
Requested loan amount
Estimated closing date
INVESTMENT SCENARIO
Model the complete deal before you decide
Model purchase or refinance with investor programs and cash-flow scenarios.
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COMMON QUESTIONS
Common objections
Short answers that clarify the next step.
I do not want to fill out a full application yet
Good. Start by screening the deal.
I need to know whether DSCR will work
That is one of the first validations we do.
I do not want surprises on reserves or leverage
That is why those guardrails show up early.
COVERAGE
Coverage for real scenarios
Florida and Texas remain the licensed states. PMA can also support other states through partner referrals when the scenario allows it.
Premier Mortgage Advisors LLC is directly licensed in Florida and Texas. In other states, PMA may accept the scenario and coordinate it through an independent mortgage professional licensed in the applicable state, under a broker agreement or authorized partner arrangement when applicable. Product availability, pricing, eligibility, approval, and closing depend on the licensed partner and complete file review.
TEAM
Choose who you want to work with
Compare languages, licensed states, experience, and specialties before choosing your mortgage professional.
Review the structure before completing an application.
Compare the available assumptions and identify what a more complete review requires.
Informational only. Not a commitment to lend. All scenarios depend on property details, documentation, verification, underwriting, program guidelines, and lender approval.
Book your deal review
DSCR, leverage, reserves, and lender paths for your scenario.
Introduction call
15 minutes to understand your goal, your timing, and the next step.
Prequalification
60 minutes to review numbers, documents, and build a clear path to pre-approval.
Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: Start with the call that best matches where you are today.
HELOC vs Home Equity
Investor magazine
The deal has to make sense first
DSCR, rent, reserves, insurance, taxes, leverage, and the lender matrix behind the deal.
Strategy before application
HELOC vs. Home Equity Loan: Which Equity Path Fits the Goal?Investment loans depend on structure. The broker path matters when DSCR, reserves, and pricing vary by lender.
Investors
Investors
DSCR first screen
Rent, payment, reserves, and property type before a full file.
Loan strategy
Portfolio cash-flow review
See the new debt beside taxes, insurance, reserves, and the rest of the portfolio.
PMA Platform
Broker vs lender for investors
Why lender fit matters when every investor scenario is different.
Realtors
Investor offer support
Give the real estate partner a finance path that matches the property and closing timeline.