Investor-Friendly Lending. Strategically Structured.

Whether you're scaling a real estate portfolio or financing your next home, we help match you with the loan product that fits the strategy — not the other way around.

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No-pressure consultation
Investor & primary home programs
Licensed mortgage professionals

Investor Spotlight

What is a DSCR loan, and why do investors love it?

A Debt Service Coverage Ratio (DSCR) loan is a specialized option for real estate investors that evaluates eligibility based on a property's rental income rather than personal earnings. It can remove the need for traditional documentation like tax returns or pay stubs — making it useful for self-employed borrowers or anyone with complex finances.

Lenders typically determine approval by dividing the monthly rent by the total debt obligations (taxes, insurance, and interest). A ratio of 1.0 or higher signals the asset may generate enough cash to cover its own costs — though some lenders may approve lower figures under specific conditions. All programs are subject to underwriting approval.

Qualifies on property cash flow, not tax returns or pay stubs
Built for self-employed investors and complex income situations
Approval based on a simple rent-to-debt coverage ratio
A streamlined path to scaling a property portfolio

Built For Investors

Investor-Friendly Mortgage Products

Loan programs real estate operators use to close deals, scale portfolios, and unlock equity — subject to credit approval and program guidelines.

The No-Ratio Rental

Qualify based on the property — not your personal income.

DSCR as low as 0.75 — may help with lease-up, vacancies, or lower-rent markets
No tax returns or W-2s required — qualification is property-based where available
Built for investors who need flexibility when scaling deals

The Small Apartment Accelerator

Finance small multifamily properties with investor-focused flexibility.

Covers 5–8 unit properties — bridging residential and small commercial
Up to 75% LTV with no cap on financed properties for scaling portfolios
May accept short-term rental income and non-warrantable condos

The Short-Term Rental Special

Qualify using projected short-term rental income — not past history.

Uses 12-month AirDNA projections with a 20% expense factor
Requires a minimum AirDNA Market Score of 60 for eligibility
Finance 3–25 properties under one blanket loan (case-by-case exceptions available)

The Global Investor Gateway

Access U.S. real estate financing as a foreign investor.

No U.S. income, job verification, or credit history required (where available)
Eligible for condotels and non-warrantable condos
Starting around 575 FICO and 0.80 DSCR, with loan amounts up to $3M

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Also Available

Traditional Mortgage Options

Standard programs for primary residences, second homes, and refinances.

Conventional Mortgages

The most common path for qualified borrowers with stable income.

Supports primary homes, second homes, and investment properties
Full income documentation required (W-2s, tax returns, pay stubs)
Typically offers competitive rates for strong borrower profiles

FHA Mortgages

A flexible loan option for buyers with lower down payments and credit.

Eligibility and down payment requirements vary by borrower
More flexible debt-to-income ratios compared to conventional loans
Helpful for buyers with higher monthly obligations relative to income

USDA Loans

A zero-down option for eligible buyers in rural and suburban areas.

Eligibility-based down payment options for qualifying USDA borrowers
Available for properties in USDA-designated locations
Designed for borrowers who meet income and eligibility guidelines

VA Loans

A zero-down mortgage option for eligible service members and veterans.

Eligibility-based down payment options
No private mortgage insurance (PMI) for most VA loans
Available to eligible active-duty service members, veterans, and surviving spouses

Asset Depletion Mortgages

Qualify using your assets instead of traditional income.

Converts eligible assets into a calculated monthly income (typically over 360 months)
No employment, W-2s, or tax returns required
Designed for borrowers with strong assets but limited traditional income

Business Bank Statement Mortgages

Qualify based on business cash flow instead of tax returns.

Uses 12–24 months of business bank statements to verify income
Reflects actual revenue rather than reduced taxable income after deductions
Designed for self-employed borrowers with non-traditional income

Let's structure the right loan for your strategy.

Book a no-pressure call with our lending team. We'll review your goals, look at the programs that may fit, and map a clear next step — not a commitment to lend.

Get Started with a Quote View DSCR Programs

PBT Bancorp is a licensed mortgage provider. Loan programs, terms, and qualification criteria are subject to underwriting approval. NMLS #257781. Equal Housing Opportunity.