Run My Numbers
Start the Analysis

Tell Nayi about the property

— Investment Property Loans

Rate without cash flow math is noise.

DSCR, reserves, and net yield come first. Nayi maps conventional investment, DSCR, and portfolio structures to your property type before any rate conversation starts.

Close-up of a loan officer's hands reviewing a printed rate sheet and property appraisal on a desk, a calculator and pen to the right, daylight from a window illuminating the documents, shallow depth of field on the figures
Close-up of a loan officer's hands reviewing a printed rate sheet and property appraisal on a desk, a calculator and pen to the right, daylight from a window illuminating the documents, shallow depth of field on the figures
/ Three Structures, One Decision

Map the right loan to the right property

Conventional Investment

Single-family and 2–4 unit properties. Requires 15–25% down. Income qualifying uses personal DTI — best for investors with documented W-2 or self-employment income.

DSCR Loan

Qualifies on the property's rental income, not your personal income. Ideal when rental revenue covers or exceeds the debt payment. No tax returns required.

Portfolio Loan

Built for investors holding multiple doors. Underwritten on the portfolio's aggregate performance. Reserve requirements scale with unit count — Nayi models each tier.

DSCR first. Rate second. Always.

A DSCR below 1.0 means the property doesn't cover its own debt. Before quoting a rate, Nayi runs gross rental income against PITIA to confirm the property qualifies on its own cash flow.

Investors with multiple properties get a full reserve analysis — per-unit and aggregate — so you know exactly where your next acquisition fits before you make an offer.

Run My Investment Numbers

Call 305-814-2423 or submit the form above.

Nayi answers directly. No delegation, no intake queue. Bring the property address and rental projections — she'll run the DSCR and reserve math on the first call.