Find the Right Mortgage for Your Next Move
DSCR loans, bank-statement loans, and HELOCs, plus conventional and FHA financing. Work with Serghei Dragni, NMLS #1440346, licensed in Florida, North Carolina, and South Carolina.
MORTGAGE GUIDANCE
What is a DSCR loan for a rental property?
A debt service coverage ratio (DSCR) loan is an investment-property mortgage that evaluates rental income relative to the property’s debt obligations. It can provide a financing path for rental-property investors. Lenders also review credit, equity or down payment, reserves, and property eligibility. Share your property location, rental income, and financing goals to explore available programs.
How do bank-statement mortgage loans work?
Bank-statement mortgage programs can help eligible self-employed borrowers document income using personal or business bank statements. Lenders review qualifying deposits and may account for business expenses; total deposits are not automatically qualifying income. The statements and other documents needed depend on the program. Tell Serghei about your business, property plans, and timeline to discuss your options.
How does a HELOC work?
A home equity line of credit (HELOC) lets eligible homeowners borrow against available home equity, up to an approved limit, during a draw period. Repayment terms, fees, and rates vary; many HELOCs have variable rates. Your home secures the debt and could be at risk if you cannot repay. Contact Serghei Dragni to discuss HELOC options in Florida, North Carolina, or South Carolina.
Explore Your Mortgage Options
For rental-property investors, self-employed borrowers, homeowners, and homebuyers in Florida, North Carolina, and South Carolina. Loan availability and approval depend on lender requirements and your circumstances.
DSCR Investor Loans
Explore rental-property financing that considers the property’s rental income and debt obligations. Share your investment goals, property details, and expected rent to discuss DSCR options.
Bank-Statement Loans
Self-employed or a business owner? Explore mortgage options that use eligible personal or business bank statements to evaluate income. Documentation and qualifying requirements vary by lender.
HELOCs
Explore a home equity line of credit secured by your home. Discuss available equity, rates, fees, and repayment terms before borrowing. Your home is at risk if you cannot repay.
Conventional & FHA
Buying a home or reviewing your current mortgage? Compare conventional and FHA options, including down payment, mortgage insurance, and overall costs, based on your situation.
YOUR MORTGAGE LOAN OFFICER
Meet Serghei Dragni
I am Serghei Dragni, a mortgage loan officer with NEXA Lending, NMLS #1440346, licensed in Florida, North Carolina, and South Carolina.
My focus is DSCR loans for rental-property investors, bank-statement loans for self-employed borrowers, and HELOCs for homeowners exploring their equity. I also help borrowers compare conventional and FHA financing.
Share your goals, property location, and timeline. We will discuss potential options and the documentation needed before you start a full application. Call 980-499-7181 or use See My Loan Options to request a conversation.
