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Build Wealth Through Smart Home Investing

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Learn MoreDSCR Calculator

Check out what your investor ratio is by using our DSCR Investor Mortgage Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

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$50,000 $2 Million
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$500 $10,000
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Credit Score
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The DSCR for this loan is
Monthly Payments
Principal & Interest (P&I)
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Taxes & HOA
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Homeowners Insurance
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Debt Service Coverage Ratio (Rental Income / Mortgage Payment)
Rental Income $3,000
Monthly Mortgage $3,000
DSCR 0.90
Estimated Taxes & Insurance Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
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Estimated Payment $ /mo
Loan amount
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Down payment
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Interest rate
Loan term
Property tax
Homeowner's insurance
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HOA dues
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Payment Breakdown
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan. Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
  • Principal payments: $$240,000 (the amount borrowed)
  • Interest payments: $$297,554 (the cost of borrowing)

Leverage Your Equity — Keep Your Low Rate

Whether you’re taking your first step into real estate or adding to a growing portfolio, Access Lending Solutions has investor-focused loan programs designed to help you move quickly and strategically. We make it easier to acquire properties, access equity, and grow your wealth — without the roadblocks that slow other lenders down.

Tap into the equity in your investment properties with our HELOC options. You can access cash without refinancing your existing mortgage, so you keep your great rate and still free up funds for your next move.

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Mortgage Loan

Investor-Friendly Loan Programs

Self-employed? Complex income? No problem. Many of our products focus on the property’s cash flow instead of your paycheck, making underwriting faster and easier.

Buy More, Faster
With reduced down payment options for both single units and 2–4 unit properties, you can grow your portfolio without tying up unnecessary cash.

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Turn Equity Into Opportunity

Use the value you’ve built in your current properties to buy more or make smart improvements that increase long-term returns.

Win in Competitive Markets
In real estate, speed matters. We can close investor loans in as little as 7 days, helping you stand out in bidding wars and secure the best opportunities.

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Best Mortgage Loan

David Putt

Founder | Loan Officer  //  NMLS #245299

Access Lending Solutions Inc. is a residential mortgage brokerage serving California and Tennessee. Founded in 2007, the vision for ALS Inc. has been to connect borrowers with mortgages at the lowest costs possible, win with volume, and serve as many home-owners as we can. With the benefit of tech, staying informed and saving money has never been easier.

Here’s what you can expect when you partner with us:

  1. 24/7 Pricing – Get instant loan pricing at any time of the day; no appointment needed.
  2. Rate Monitoring – Stay ahead of the game with our powerful Rate Monitoring tool.
  3. Competitive Pricing – We pride ourselves on offering competitive rates. See for yourself; we are priced to win.
  4. Unmatched Service – Mortgage is not just our profession; it’s a platform for us to serve you. We’re dedicated to earning your trust, one client at a time.

If you’re ready to experience a mortgage service that puts you at the center, visit us at www.ALS-Mtg.com. Licensed to work in: California (01827612), Tennessee (245688)

dputt@als-mtg.com(714) 404-2280
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