Financing Solutions for Real Estate Investors

DSCR (Debt Service Coverage Ratio) Loans are designed for real estate investors looking to acquire or refinance income-producing properties. Unlike traditional loans, DSCR Loans focus on the property’s income potential rather than the borrower’s personal income, making it easier for investors to qualify. With guidance from Billy Kinberg – Senior Loan Officer, you gain access to financing solutions that support your investment goals while minimizing stress and complexity.
Contact Us

Focus on Property Cash Flow, Not Personal Income

One of the key benefits of DSCR Loans is that approval is based on the property’s ability to generate income. Lenders evaluate rental income versus expenses to ensure the property can cover debt obligations, which reduces reliance on personal income documentation. I help you understand how DSCR ratios are calculated and structure your financing to maximize approval potential.
Explore More

Flexible Terms for Investors

DSCR Loans offer a variety of terms, allowing investors to select loan structures that align with their long-term goals. Whether you’re acquiring a single rental property or refinancing a multi-unit investment, these loans provide flexibility in rates, terms, and amortization schedules. I work with you to find the optimal financing solution tailored to your portfolio.
Explore More

Benefits of DSCR Loans

_______

Approval Based on Property Income: Qualify using the property’s cash flow rather than personal income documentation.

_______

Flexible Loan Terms: Choose rates and structures that align with your investment strategy.

_______

Streamlined Application Process: Simplified qualification makes funding faster and less restrictive.

_______

Expert Guidance Throughout: Receive professional support from property analysis to closing for a smooth experience.
get personalized Loan options

Streamlined Qualification Process

Because DSCR Loans rely on property income rather than personal income, the qualification process is often faster and less restrictive. This makes it easier for investors with multiple properties, self-employment income, or unique financial situations to secure funding. I guide you through the application process, ensuring clarity and efficiency from start to finish.
Explore More

Why Choose Us

With Billy Kinberg – Senior Loan Officer, we understand that choosing the right mortgage partner is one of the most important decisions you’ll make. Our mission is to provide personalized, transparent, and reliable mortgage guidance for every client. Whether you’re a first-time homebuyer, an experienced investor, or seeking refinancing options, we take the time to understand your unique financial situation and goals. With extensive experience and licensing across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we ensure that you have access to the right loan programs and the best possible rates for your needs.

We are known for

Personalized Client Support: We take the time to understand your financial goals and provide customized guidance through every step of the mortgage process.

Competitive Rates and Flexible Terms: We help you secure the best possible rates and loan structures to fit your unique financial situation.

Transparent and Trustworthy Service: Our clients rely on us for honest advice, clear communication, and a stress-free mortgage experience.

Licensed in Multiple States: Serving DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we offer local expertise with broad coverage for your convenience.

talk to a loan specialist

Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

talk to a loan specialist

"FAQs"

We offer a wide range of mortgage solutions, including FHA, VA, Conventional, Jumbo, DSCR, Reverse Mortgage, Down Payment Assistance, First-Time Homebuyer Loans, Non-QM, Bank Statement, P&L, and 1099 Loans. Each program is tailored to meet the unique needs of our clients.

Yes! We specialize in helping self-employed borrowers qualify using alternative documentation such as bank statements, P&L statements, or 1099 forms. Our team will guide you through the process to maximize your approval chances.

We take the time to understand your financial situation, goals, and property type to recommend the best loan program. With personalized guidance, we ensure you select a mortgage that aligns with your needs and long-term plans.

Yes. Billy Kinberg – Senior Loan Officer is licensed in DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, allowing us to serve clients across a wide area with local expertise and support.

The timeline varies depending on the loan type, property, and documentation, but our team is dedicated to making the process as smooth and efficient as possible. We provide clear guidance at every step to ensure timely approvals and closings.

Expert Guidance for Smart Investments

Navigating investment property financing can be complex, but with the right expertise, it becomes a streamlined process. I provide personalized support to help you analyze your properties, understand DSCR requirements, and choose the loan program that maximizes returns while minimizing risk. Licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I am committed to helping investors succeed with confidence.