Patrick TabaMortgage Loan Advisor E Mortgage Capital E Mortgage Capital
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Patrick Taba, also known as Mortgage PatrickMortgage Loan Advisor in Orange County, California

Investment property loans built around the rent.

DSCR loans qualify on the property's rental income instead of your personal income, so your tax returns don't decide how fast your portfolio grows.

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4.8 out of 5 from 50+ client reviews

Patrick Taba (Mortgage Patrick), NMLS #1553052, Santa Ana, CA. E Mortgage Capital, Inc., NMLS #1416824, licensed in 47 states. In states where Patrick isn't individually licensed, you'll be connected with a licensed E Mortgage Capital loan officer.

How I help investors

  • Qualify on the rent

    Lenders compare the property's rent to its monthly payment. That's the debt service coverage ratio, or DSCR.

  • Buy in an LLC

    Many DSCR programs let you close in an LLC.

  • Short-term rentals

    Some programs accept short-term rental income.

  • Cash out what you own

    Pull equity from rentals you already own to fund your next purchase.

  • Conventional options too

    If your tax returns qualify, a conventional investment loan may price better, and I'll check both.

Check a property's DSCR

Plug in a deal to see whether the rent covers the payment.

An example. Try any rate.

Estimated DSCR

 

  • Monthly payment (PITIA)
  • Loan amount
  • Rent minus payment

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For illustration only. DSCR here is rent divided by principal, interest, taxes, insurance and HOA dues on a 30-year loan. Lenders calculate it their own way and may use an appraiser's rent estimate. It doesn't include vacancy, repairs or management. The rate is an example you control, not an advertised rate or an offer to lend.

From a client

Patrick was very courteous and quick to answer all my questions. This has to be the fastest refi loan closures I've ever had. I very highly recommend him and his staff.

Albert G.Birdeye review

Investor questions

What DSCR do I need?

Many programs look for 1.0 or higher, meaning the rent covers the full payment. Some allow lower ratios with tradeoffs, like a larger down payment.

Do I need landlord experience?

Not always. Some DSCR programs work with first-time investors.

How much do I need to put down?

Investment loans generally require more down than loans for a home you'll live in. The exact amount depends on the program and your credit.

Get your options

Share a few details and I'll follow up by phone or text. Rather reach out yourself? Use any of these.

E Mortgage Capital is licensed in 47 states. Pick your state in the form, and if I'm not licensed there, I'll connect you with a licensed loan officer on our team.

"Great service, the process was quick and easy!"

Reginald F., Birdeye review

Patrick TabaMortgage Loan Advisor, NMLS #1553052

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