Joining us on this episode of Living Off Rentals is someone who’s helped Kirby secure five different DSCR loans over the past year and a half.

Jay Anderson is a lender with Visio Lending, a company that specializes in DSCR loans for investment properties.

A DSCR (Debt Service Coverage Ratio) loan allows investors to qualify based on a property’s income—not their personal income.

It’s a great option for self-employed investors, those without W2 income, or anyone looking to scale without hitting debt-to-income limits.

As an active investor himself, Jay knows what it takes to get deals done, especially in today’s market.

In this episode, he breaks down how DSCR loans work, what it takes to qualify, and why they’re such a powerful tool for scaling your portfolio.

You’ll also learn about how DSCR loans can supercharge your BRRRR strategy and common pitfalls to avoid when applying for financing.

Enjoy the show!

Key Takeaways:

[00:00] Introducing Jay Anderson and his background
[02:18] Getting into real estate lending
[05:20] What are DSCR loans?
[08:30] Qualifications for DSCR loans
[13:19] Biggest reasons people get denied financing
[20:20] Basic terms for DSCR loan
[26:24] Jay's recommendation in terms of financing for someone who wants to do the BRRRR strategy
[31:24] Location and type of property most profitable for investors
[33:40] His advice for new real estate investors
[38:33] Connect with Jay Anderson
[39:44] Outro

Guest Links:

Website: https://visiolending.com/
Email: jay.anderson@visiolending.com
Contact Number: 737-910-2344

Show Links:

Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals
Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast
Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals
Living Off Rentals Website – https://www.livingoffrentals.com/
Living Off Rentals Instagram – instagram.com/livingoffrentals
Living Off Rentals TikTok – tiktok.com/@livingoffrentals