Michael Parsi NMLS 1372662

Michael Parsi

 NMLS #1372662   |   (650) 430–7886 

michael.parsi@loanfactory.com.

2195 Tully Road, San Jose, CA 95122

https://www.loanfactory.com/michaelparsi

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1372662

🏘️ DSCR Loans: Invest Smarter, Qualify Easier

💼 No tax returns. No W-2s. No income docs.
📊 DSCR (Debt Service Coverage Ratio) loans qualify you based on property cash flow, not personal income.
💸 If the rent covers the mortgage, you’re in business.
🧮 Formula: Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, HOA) = DSCR
✅ Example: $1100 Rent ÷ $1000 PITIA = 1.10 → Positive cash flow
⚖️ Even a 1.00 ratio means break-even. Below that? We strategize.
🏠 Perfect for real estate investors who want simplicity and speed.
📝 Skip the paperwork headache—focus on growing your portfolio.
🤝 With me, you get more than a loan—you get a partner who speaks investor.
🔍 I analyze your rental potential and guide you through every step.
📍 Local expertise + national reach = smarter decisions.
💬 Clear communication, no jargon—just real solutions.
📆 Free consultations, honest evaluations, and zero pressure.
🚀 Let’s unlock your next property with confidence.
📲 Reach out today—your cash flow deserves it

💬 Let’s Talk—No Pressure, Just Clarity

Curious about your options or have questions about the mortgage process? I offer a complimentary consultation designed to give you honest insights and personalized guidance—without any obligation or commitment.
Whether you’re exploring possibilities or ready to take the next step, I’m here to help you feel confident and informed.
Just click below when you’re ready to start the conversation.