Location
Irvine, California
Industry
Commercial
Scope of Work
Qualifying a California Rental Property on Cash Flow Alone | GMCC DSCR Loan
Timeline
1 months
Year
2023
A self-employed business owner wanted to add an Irvine rental property to her portfolio, but her tax returns — full of legitimate write-offs — made her income look far smaller than reality. GMCC’s self-employed programs qualified the property on its own cash flow instead.
The Problem
Rather than W-2s or tax returns, we used a DSCR structure: the rental income of the property itself covered the proposed payment, so her personal income documentation never became the bottleneck.
Our Approach
Bank statements verified her reserves, and GMCC’s in-house underwriting turned the file around quickly — critical for keeping the investment property under contract.
What Others Offered
Strong business, healthy cash flow — but tax returns that disqualified her at conventional lenders focused only on adjusted gross income.
What We Delivered
Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur.
