Arizona rental property qualified with a DSCR loan based on rental income

Scottsdale Mortgage Broker for Investors & Entrepreneurs

DSCR loans that count your Airbnb income. Bank statement loans for business owners. Jumbo at wholesale pricing. 200+ lenders. Based in Chandler, AZ. Licensed nationwide.

Call/text Sal directly: (516) 250-1334 — any day, any time. Or hit the button below to see what you qualify for.

Scottsdale Doesn't Fit in a Bank's Box. Good.

Scottsdale is Arizona's short-term-rental capital and its entrepreneur capital — and both of those profiles make retail banks nervous. Self-employed income, jumbo price points, STR revenue, LLC ownership: everything a bank calls "complicated" is what I do daily.

Buying an Airbnb in Scottsdale

Most banks won't count short-term rental income at all. The right DSCR lenders will — qualifying your Old Town condo or North Scottsdale house on its projected STR revenue, with no tax returns, and closing in an LLC.

I know which lenders count Airbnb income, at what haircut, and how they treat seasonality. That knowledge is the difference between 20% down and 30% down — or between yes and no. Run your numbers with my free DSCR calculator, under DSCR Calc in the top menu.

Entrepreneurs & Jumbo Buyers

If your tax returns undersell your income — that's the point of write-offs — bank statement and P&L loans qualify you on real cash flow instead. And on jumbo loans, wholesale pricing gets sharper, not worse. Banks want you to believe only they do big loans. They're wrong.

Every Loan We Do in Scottsdale

DSCR loans for long- and short-term rentals. Bank statement, P&L, and asset depletion loans for the self-employed. Jumbo and non-QM. Investor, commercial, and private lending for the complicated deals. Conventional for the straightforward ones. One application, 200+ lenders — the full menu is under Services in the top navigation.

A Real Deal I Closed (After Two Bank Denials)

An investor came to me after getting declined twice trying to buy a rental in the East Valley. Credit was subpar. Liquidity was tight. Every lender saw the same file and passed.

Took me 3 submissions to find the right lender fit — but we closed. 15% down, qualified on the property's rent. That's the difference between a bank and a broker: a bank gets one shot at your file. I get 200+.

Scottsdale Mortgage Broker — Why Work With Me

I'm Sal Bossio, a mortgage broker with Barrett Financial Group (NMLS #1984347), based in Chandler and serving all of Scottsdale and metro Phoenix — and licensed nationwide, so out-of-state investors and referrals never bounce. My clients will tell you two things: I close fast (many files in 2-3 weeks), and I answer my phone — nights, weekends, whenever. 74 five-star Google reviews back that up.

If a bank already told you no, that's usually where I start.

Scottsdale Mortgage FAQs

Can I get a mortgage for a Scottsdale Airbnb?
Yes — with DSCR lenders who count short-term rental income. I'll match your deal to the lenders that treat STR revenue most favorably.

Do DSCR loans allow closing in an LLC?
Most do — it's one of the main reasons investors use them. No tax returns, no personal income docs, title in your entity.

I'm self-employed with heavy write-offs. Can I still get a jumbo loan?
Yes — bank statement and P&L programs go well into jumbo territory across my lender network.

What DSCR ratio do I need?
Most lenders want 1.0 or better, but sub-1.0 programs exist — they just want more down or price the rate accordingly. Run your numbers on my free DSCR calculator and I'll tell you what's realistic.

What Clients Say About Working With Sal

"I had a unique DSCR loan and wasn't sure if I could get funding, but Sal was able to find a lender and get everything pushed through. I definitely would recommend working with Sal." — Tommy F., five-star Google review

"My business partner and I had no idea what it took to pursue an investor loan. Sal walked us through it step by step. He gave us a lot of confidence and we knew that we were in great hands." — Theresa C., five-star Google review

74 five-star Google reviews and counting — search "Sal Bossio Mortgage" on Google and read them all.

Ready to talk about your Scottsdale loan?

60 seconds, no credit pull — tap the button at the top of this page. Or skip the form and call or text me directly: (516) 250-1334, any day, any time.

Sal Bossio | Mortgage Broker | NMLS #1984347 | Barrett Financial Group, LLC | Chandler, AZ — serving Scottsdale, the East Valley, and buyers nationwide

See What You Qualify For

Scottsdale Mortgage Broker for Investors & Entrepreneurs

DSCR loans that count your Airbnb income. Bank statement loans for business owners. Jumbo at wholesale pricing. 200+ lenders. Based in Chandler, AZ. Licensed nationwide.

Call/text Sal directly: (516) 250-1334 — any day, any time. Or hit the button below to see what you qualify for.

Scottsdale Doesn't Fit in a Bank's Box. Good.

Scottsdale is Arizona's short-term-rental capital and its entrepreneur capital — and both of those profiles make retail banks nervous. Self-employed income, jumbo price points, STR revenue, LLC ownership: everything a bank calls "complicated" is what I do daily.

Buying an Airbnb in Scottsdale

Most banks won't count short-term rental income at all. The right DSCR lenders will — qualifying your Old Town condo or North Scottsdale house on its projected STR revenue, with no tax returns, and closing in an LLC.

I know which lenders count Airbnb income, at what haircut, and how they treat seasonality. That knowledge is the difference between 20% down and 30% down — or between yes and no. Run your numbers with my free DSCR calculator, under DSCR Calc in the top menu.

Entrepreneurs & Jumbo Buyers

If your tax returns undersell your income — that's the point of write-offs — bank statement and P&L loans qualify you on real cash flow instead. And on jumbo loans, wholesale pricing gets sharper, not worse. Banks want you to believe only they do big loans. They're wrong.

Every Loan We Do in Scottsdale

A Real Deal I Closed (After Two Bank Denials)

An investor came to me after getting declined twice trying to buy a rental in the East Valley. Credit was subpar. Liquidity was tight. Every lender saw the same file and passed.

Took me 3 submissions to find the right lender fit — but we closed. 15% down, qualified on the property's rent. That's the difference between a bank and a broker: a bank gets one shot at your file. I get 200+.

Scottsdale Mortgage Broker — Why Work With Me

If a bank already told you no, that's usually where I start.

Scottsdale Mortgage FAQs

Can I get a mortgage for a Scottsdale Airbnb? Yes — with DSCR lenders who count short-term rental income. I'll match your deal to the lenders that treat STR revenue most favorably.

Do DSCR loans allow closing in an LLC? Most do — it's one of the main reasons investors use them. No tax returns, no personal income docs, title in your entity.

I'm self-employed with heavy write-offs. Can I still get a jumbo loan? Yes — bank statement and P&L programs go well into jumbo territory across my lender network.

What DSCR ratio do I need? Most lenders want 1.0 or better, but sub-1.0 programs exist — they just want more down or price the rate accordingly. Run your numbers on my free DSCR calculator and I'll tell you what's realistic.

What Clients Say About Working With Sal

"I had a unique DSCR loan and wasn't sure if I could get funding, but Sal was able to find a lender and get everything pushed through. I definitely would recommend working with Sal." — Tommy F., five-star Google review

"My business partner and I had no idea what it took to pursue an investor loan. Sal walked us through it step by step. He gave us a lot of confidence and we knew that we were in great hands." — Theresa C., five-star Google review

74 five-star Google reviews and counting — search "Sal Bossio Mortgage" on Google and read them all.

Ready to talk about your Scottsdale loan?

60 seconds, no credit pull — tap the button at the top of this page. Or skip the form and call or text me directly: (516) 250-1334, any day, any time.

Sal Bossio | Mortgage Broker | NMLS #1984347 | Barrett Financial Group, LLC | Chandler, AZ — serving Scottsdale, the East Valley, and buyers nationwide

Can I get a mortgage for a Scottsdale Airbnb?
Yes — with DSCR lenders who count short-term rental income. I'll match your deal to the lenders that treat STR revenue most favorably.

Do DSCR loans allow closing in an LLC?
Most do — it's one of the main reasons investors use them. No tax returns, no personal income docs, title in your entity.

I'm self-employed with heavy write-offs. Can I still get a jumbo loan?
Yes — bank statement and P&L programs go well into jumbo territory across my lender network.

What DSCR ratio do I need?
Most lenders want 1.0 or better, but sub-1.0 programs exist — they just want more down or price the rate accordingly. Run your numbers on my free DSCR calculator and I'll tell you what's realistic.