Giles Wardian
President of FMP Mortgage Pros
Giles Wardian is a licensed loan originator with over 25 years of experience helping real estate investors grow their portfolios.
A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify for financing based on the rental income of the property—not their personal income. These loans are especially popular among investors using long-term owned properties as short-term rentals on platforms like VRBO, Airbnb, and Booking.com.
Whether you’re buying or refinancing, a DSCR loan is designed to support short-term rental strategies without the need for tax returns, W-2s, or bank statements.
Instead of verifying your employment or personal income, lenders focus on whether the property’s income covers the mortgage. This is calculated using the DSCR:
If you’re running a short-term rental, you can often use AirDNA reports, bank statement rental deposits,or a short-term lease history to show income.
Requirements vary slightly by lender and STR market location.
Example: Buying a STR with a DSCR Loan
Investor: Alex buys a 3-bedroom home near a lake for $500,000
Expected Monthly Rent (via VRBO): $4,500
Estimated Mortgage Payment: $3,200
DSCR = 4,500 ÷ 3,200 = 1.41
Alex qualifies based on property income—no tax returns needed.
We specialize in non-bank investor loans, including DSCR financing for short-term and vacation rental properties. If you’re focused on cash flow, nightly bookings, and long-term portfolio growth—we’re here to help.
Whether you’re purchasing or refinancing a VRBO property, we’ll help you qualify with just the property income, no personal income verification required.
Giles Wardian is a licensed loan originator with over 25 years of experience helping real estate investors grow their portfolios.
U.S. Marine Veteran and finance professional with 20+ years of experience, Antonio Stewart specializes in DSCR and bridge loans for 1–4 unit investment properties.
Debbie Dameus brings nearly a decade of mortgage experience with a focus on real estate investors and self-employed borrowers. She is highly skilled in analyzing rental income and investors return on investment for 1–4 unit investment properties.
With a Bachelor of Science in Accountancy and a background in finance and commercial lending, her experience in financial analysis and underwriting support equips her to process complex investor loans with accuracy and speed.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
“Acquisition & Rehab to DSCR, FMP made it seamless.They funded 80% of my duplex purchase and 100% of the rehab. Once the work was done, they refinanced me into a 30-year DSCR loan—lower payment, better cash flow. Smooth and simple!”
“They got my flip funded fast!” FMP delivered 75% of the purchase and 100% of the rehab—right on time for a competitive Fix & Flip. They understood the project, the numbers, and my goals. I made a hefty profit in just a few weeks and I’m coming back for the next one.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
