Jose   Bermejo

Jose Bermejo

REALTOR/Loan Originator

License #: DRE: 02085611 - NMLS :1839718

World Premier Realty WPR & American Home Loans AHL

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The demand for houses has decreased significantly due to the high interest rates and is forcing many sellers to reduce the price, grant credit for closing costs and/or other benefits with the sole objective of being able to sell the property.

As a result, we have a widely favored buyer with this new market trend, and with it an EXCELLENT opportunity for those who want to expand their real estate portfolio.

How to get the credit? It is very simple, since this is an investment property program, also known as Debt Service Cover Ratio (DSCR). DSCR allows an investor to obtain financing without showing any type of income, you can even qualify if you are collecting unemployment.

To achieve this we need a minimum of 20% down payment and get the ideal property, a property where the rental income is equal to the Mortgage payment. In case the mortgage payment is greater than the rental income, some restrictions may apply.


  • Minimum FICO Score 620                          
  • Minimum Down payment 20%
  • Loan Amount Up to $2M
  • No W2s, or Tax Returns Collected 
  • First Time Investors Allowed
  • 30 years & 40 yr. Interest-Only Available
  • 1-4 Unit Properties

You can use these links to start your own analysis   





I invite you to make an appointment with me and look for the best investment and financing options for you.



Real Estate Investing Certified
Mortgage Loan Originator




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