Site Disclosures

Who this page is for

This site is an educational overview for real estate professionals considering an investment property purchase. Mercedes Forslund is a Business Development Manager and is not a licensed mortgage loan originator; she does not take applications, quote rates, or discuss loan terms. All loan discussions are handled by Oliver White, NMLS #1254113, a licensed loan officer with Fairway Independent Mortgage Corporation.

Licensing

Oliver White is a licensed mortgage loan originator, NMLS #1254113 (NMLS Consumer Access), with Fairway Home Mortgage, a dba of Fairway Independent Mortgage Corporation, NMLS #2289 (NMLS Consumer Access). Office: 7500 Flying Cloud Drive, Suite 900, Eden Prairie, MN 55344. Corporate: 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. Licensed in Minnesota, Wisconsin, Iowa, North Dakota, Illinois, Arizona, California & Florida. Full state licensing information is available at Fairway's Licenses & Disclosures page.

Mercedes Forslund is a Business Development Manager and is not a licensed mortgage loan originator. She does not take applications, quote rates, or discuss loan terms, programs, or qualification. All such discussions are handled by a licensed loan officer.

About DSCR loans and this content

DSCR (debt service coverage ratio) loans are business-purpose loans secured by non-owner-occupied investment property. The descriptions on this site are general, educational summaries of how such loans commonly work in the market and use words like "typically" and "most programs" on purpose: specific program availability, minimum ratios, down payment, reserve, credit, vesting, prepayment and property requirements vary, change over time, and are determined only at application. Nothing on this site describes the terms of any particular loan, and no rates, payments, or down-payment amounts are published here.

Not a commitment to lend

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. DSCR loans are business-purpose loans for non-owner-occupied investment property; program availability, minimum ratios, down payment, reserve and credit requirements vary and are determined at application. Any conversation that begins from this site is a preliminary discussion and is not a pre-qualification, pre-approval, or loan approval until Fairway says so in writing.

The calculator

The calculator is an educational tool. It uses only the numbers you type, stores nothing, and produces an estimate — not a quote, pre-qualification, approval or commitment to lend. Actual qualifying rent, payment, taxes, insurance and program thresholds are determined at application. For real numbers, talk to Oliver. It performs a standard amortization calculation on the figures you enter and divides the rent you enter by the resulting total payment. It does not know current rates, your credit, the property, or Fairway's program thresholds, and the labels it displays ("covers the payment," "with room," "does not cover") are generic descriptions of the arithmetic, not a lending decision.

Not tax, legal or investment advice

Whether to buy investment property, how to hold title (including in an LLC), and how any of it affects your taxes are questions for your attorney, CPA or financial advisor. Fairway and its loan officers provide mortgage financing only.

No compensation to real estate professionals

Nothing of value is offered or provided to any real estate agent, broker, or other settlement service provider in exchange for referrals. This page is informational and is provided in compliance with the Real Estate Settlement Procedures Act (RESPA). Agents reached through this page are prospective borrowers for their own transactions.

Privacy — this site collects nothing

getstartedwithdscr.com contains no forms, no analytics, no cookies, no tracking pixels, and no third-party scripts. The calculator runs entirely in your browser and transmits nothing. Every contact link on this site opens your own phone or email app. Applications and documents are handled only through Fairway's secure systems under Fairway's privacy policy.

Illustrative content

The text-message conversation shown on the home page is illustrative only. It does not depict a real transaction, and outcomes in any actual scenario depend on the complete file, the property, and program guidelines in effect at the time.