NMLS: 2635583
Sunny Hill Financial NMLS: 1708856
For DSCR and commercial Licensed all states
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
Empowering Real Estate Investors with Smart Financing
For property investors, the ability to leverage cash flow is key—and that’s where Amanda De Oliveira’s DSCR Loan programs come in. A DSCR (Debt Service Coverage Ratio) loan focuses on the income potential of your property rather than your personal income, making it an ideal solution for real estate investors looking to scale. Amanda helps you identify the best DSCR options to match your investment goals. With her guidance, you can expand your real estate portfolio with confidence, flexibility, and professional insight every step of the way.
Income-Based Qualification for Greater Flexibility
Unlike traditional mortgages, DSCR loans don’t rely on tax returns or W-2s. Instead, they’re approved based on the property’s ability to generate enough rental income to cover the loan payments. This opens the door for self-employed investors, business owners, and those with non-traditional income sources. Amanda works closely with you to ensure the numbers make sense and your investment delivers long-term results.
Simplified Process for Faster Approvals
Time is critical in real estate investing. Amanda’s streamlined DSCR loan process eliminates unnecessary steps, helping you close deals quickly and efficiently. Her focus on clear communication and quick turnaround ensures that you never miss an opportunity to expand your portfolio or refinance an existing property at the right time.
Benefits of DSCR Loans with Amanda De Oliveira
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No Income Verification Needed: Approval is based on property cash flow, not personal income or tax returns.
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Flexible Loan Programs Available: Tailored solutions for short-term rentals, multifamily, and long-term investments.
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Fast and Efficient Loan Process: Quick underwriting and closing to help you seize market opportunities on time.
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Access to Nationwide Investment Options: Licensed in all states for DSCR and commercial lending opportunities.
Tailored Solutions for All Types of Properties
Whether you’re investing in single-family homes, multi-unit properties, or short-term rentals, Amanda offers DSCR programs that align with your property goals. She provides expert advice to help you evaluate cash flow, calculate profitability, and choose the best financing structure for maximum returns. Every solution is customized to your investment strategy.
Why Choose Amanda De Oliveira
Choosing the right mortgage professional can make all the difference, and with Amanda De Oliveira, you get more than just a loan officer — you gain a trusted partner dedicated to your financial success. With deep expertise. Amanda provides personalized guidance tailored to your goals, ensuring every client feels confident and supported from pre-approval to closing.
We are known for
Personalized Service: Every client receives tailored mortgage solutions that fit their unique financial goals and lifestyle.
Clear Communication: Amanda ensures transparency at every stage, keeping clients informed and confident throughout the process.
Expert Knowledge: With extensive experience. Amanda brings deep insight into a variety of loan programs.
Timely Closings: Efficiency and organization are at the heart of every transaction, helping clients close smoothly and on schedule.
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.
"FAQs"
A DSCR loan is a type of mortgage used for investment properties, where the loan approval is based on the property’s income potential rather than the borrower’s personal income.
The loan is evaluated based on the Debt Service Coverage Ratio (DSCR), which compares the property’s net operating income to its debt obligations. A DSCR of 1.0 means the property’s income covers the debt.
Investors who own rental or commercial properties and can show that the property generates enough income to cover the mortgage payments qualify for DSCR loans.
A DSCR of 1.0 or higher is generally required to qualify for a loan, meaning the property’s income covers or exceeds the debt payments. A ratio below 1.0 may indicate insufficient income.
DSCR loans allow investors to secure financing based on the property’s income potential, which is ideal for those with limited personal income or credit challenges.