<br>

Facebook Groups are an incredibly important source for off-market listings. If you are in the market for a primary residence or investment property, and you want to [avoid the panic buying in the current housing market](https://www.offermarket.us/guides/how-to-avoid-panic-buying-in-the-current-housing-market), then you will want to take a closer look at Facebook Groups.

<br>

There are Facebook Groups for just about everything, so it should come as no surprise that there are Facebook Groups for real estate. Most Facebook Groups for real estate are regional (i.e. State-specific) or local (i.e. City or County-specific). Facebook Groups are strictly for [wholesale real estate](https://www.offermarket.us/guides/wholesale-real-estate-101) listings while others are strictly for [For Sale By Owner](https://www.offermarket.us/real-estate-glossary/fsbo) listings.

<br>

There's a [world of off-market real estate most homebuyers do not know about](https://dwshorowitz-offermarket.medium.com/wholesale-real-estate-the-world-of-real-estate-you-probably-know-nothing-about-but-you-should-b544c6ad69b5), and Facebook Groups are a great place to access it.

<br>

## Join the [Real Estate Marketplace: Wholesale, For Sale By Owner](https://www.facebook.com/groups/326051528838367) Facebook Group

<br>

The easiest way to find relevant Facebook Groups for real estate is to search on Facebook for your local market using the following terms:

<br>

- "investors network"
- "real estate"
- "wholesale real estate"
- "turnkey properties"

<br>

## Subscribe to OfferMarket deal flow:

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<br>
<br>

Facebook Groups are an excellent place to houses for sale. If you're looking for off-market listings, wholesale real estate, For Sale By Owner, this guide is for you!

Facebook Real Estate Marketplace OfferMarket

medium_Facebook Real Estate Marketplace OfferMarket.jpg

small_Facebook Real Estate Marketplace OfferMarket.jpg

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Facebook Real Estate Marketplace OfferMarket.jpg

Facebook Groups For Real Estate: Wholesale, For Sale By Owner - OfferMarket

Facebook Groups For Real Estate: Wholesale, For Sale By Owner

<img load="lazy" src="https://upload.wikimedia.org/wikipedia/commons/0/03/Drum_Point_Light%2C_wide_%2821611643621%29.jpg" alt="Image of townhomes in Calvert County Maryland MD">

<br>

## Calvert county property management companies

<br>

Below you will find a list of <b>top rated property management companies Calvert county</b>. This list already identified reputable and highly rated property management companies in Calvert county, but don't neglect further research as things change, key managers depart and company reputation evolves over time. Make sure to reach out and thoroughly interview each company before signing any paper work for them to take over management of any of your units. Make sure to talk to company representatives, interview them with the questions we provide below and read reviews. This process is paramount in identifying the best firm that will address all of your landlord needs and justify their monthly fees while keeping your tenants happy. 

<br>

## Real Property Management Gold - Calvert county property management company
<img load="lazy" src="https://d3ssz1uz7feir2.cloudfront.net/wp-content/uploads/sites/62/2015/03/RPM_4C_Gold.png" alt="Real Property Management Gold Logo">

<br>

<b>Description</b>: Whether you need rental property management services in St.Mary’s County, Charles County, or Calvert County your goals are the same: to keep your property consistently filled with reliable tenants and to get the best return on your investment. Over the past 25 years, we have re-engineered the property management process to save owners like you time and money. Our proprietary systems and responsive team of highly-trained specialists are prepared to meet the extensive demands of property management—24 hours a day. Like other investments, real estate should be professionally managed to yield the greatest return. We Manage Single Family Homes, Town Homes, and Condos in St.Mary's, Charles, and Calvert Counties. Starting at 6.9%<br>

<b>Website</b>: [https://www.realpmgold.com/](https://www.realpmgold.com/)<br>

<b>Google Rating</b>: [4.8](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b761fb4fb2f1e1:0x28537bfc2a8435fa,1,,,&rlfi=hd:;si:2905802507559384570,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0jStqP7m6qAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVTlpNblY2WkdGbkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Google Reviews</b>: [165](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b761fb4fb2f1e1:0x28537bfc2a8435fa,1,,,&rlfi=hd:;si:2905802507559384570,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0jStqP7m6qAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVTlpNblY2WkdGbkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Phone</b>: (301) 392-2172﻿<br>

<b>Address</b>: Real Property Management Gold, 22099 Three Notch Road Suite 111, Lexington Park, Maryland 20653<br>

<b>Property Management Monthly Fee</b>: [6.9%-8.9%](https://www.realpmgold.com/property-management-pricing)<br>

<b>Leasing fee</b>: [Request to find out](https://www.realpmgold.com/property-management-pricing)<br>

<b>Lease renewal fee</b>: [Request to find out](https://www.realpmgold.com/property-management-pricing)<br>

<br>

## Wilkinson Property Management - Calvert county property management company
 <p><a href="https://www.wilkinsonpm.com/management-services/?wvideo=ds4yydrr24"><img src="https://embed-fastly.wistia.com/deliveries/ed4b7306b8cf5b16ce58c4bde7568cdc.jpg?image_play_button_size=2x&amp;image_crop_resized=960x540&amp;image_play_button=1&amp;image_play_button_color=4b725de0" width="400" height="225" style="width: 400px; height: 225px;"></a></p><p><a href="https://www.wilkinsonpm.com/management-services/?wvideo=ds4yydrr24">Management Services - Wilkinson Property Management</a></p><br>

<b>Description</b>: Wilkinson Property Management is a well-established and professional property management firms in Northern Virginia – Alexandria, Arlington, Annandale, Burke, Falls Church, Lake Ridge, McLean, Occoquan, Springfield, Vienna, and Woodbridge. We also provide property management in Washington DC as well as Southern Maryland – Calvert County, Charles County, Lexington Park, St. Mary’s County and Waldorf. Specializing in single-family homes, townhouses, and individual condos.<br>

<b>Website</b>: [https://www.wilkinsonpm.com/](https://www.wilkinsonpm.com/)<br>

<b>Google Rating</b>: [4.6](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b7629b1ce4c3cb:0x21ba0392794b0397,1,,,&rlfi=hd:;si:2430258876554871703,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0iRj_OKy6uAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVUnhMVFJpUVUxQkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Google Reviews</b>: [75](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b7629b1ce4c3cb:0x21ba0392794b0397,1,,,&rlfi=hd:;si:2430258876554871703,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0iRj_OKy6uAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVUnhMVFJpUVUxQkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Phone</b>: (410) 231-2853﻿<br>

<b>Address</b>: 90 Holiday Dr suite a, Solomons, MD 20688<br>

<b>Property Management Monthly Fee</b>: [8%-10%](https://www.wilkinsonpm.com/management-services/)<br>

<b>Leasing fee</b>: [3/4 first month's rent](https://www.wilkinsonpm.com/management-services/)<br>

<b>Lease renewal fee</b>: [None](https://www.wilkinsonpm.com/management-services/)<br>

<b>Pricing Video</b>: <p><a href="https://www.wilkinsonpm.com/management-services/?wvideo=vav2k5xeo6"><img src="https://embedwistia-a.akamaihd.net/deliveries/5f1a5310fb122d8fd3054ef8acf69af3.jpg?image_play_button_size=2x&amp;image_crop_resized=960x540&amp;image_play_button=1&amp;image_play_button_color=557965e0" width="400" height="225" style="width: 400px; height: 225px;"></a></p><p><a href="https://www.wilkinsonpm.com/management-services/?wvideo=vav2k5xeo6">Management Services - Wilkinson Property Management</a></p><br>

<br>

## Horton Property Management - Calvert county property management company
<img load="lazy" src="https://lirp.cdn-website.com/eb824551/dms3rep/multi/opt/Horton-logo--1-186w.jpg" alt="Horton Property Management Gold Logo">
<br>

<b>Description</b>: Southern Maryland’s premiere rental management organization - Veteran owned and operated. Southern Maryland’s premiere rental management organization. At Horton Realty Property Management we are committed to providing our owners and tenants with quality service. Horton Realty Property Management is a “full service” & licensed Real Estate company which operates under a set code of standards and ethics. We work in compliance with local & state Real Estate and landlord/tenant laws, which can change regularly. We know your investment property is important, it is important to us as well.<br>

<b>Website</b>: [https://www.hortonrealtyinc.com/](https://www.hortonrealtyinc.com/)<br>

<b>Google Rating:</b>: [3.3](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b76184380ce78d:0x3ef1fd7ddafca316,1,,,&rlfi=hd:;si:4535685016725529366,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0jDpv_DmIKAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVTjNNa2xNYmtsQkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Google Reviews</b>: [28](https://www.google.com/search?q=calvert+county+property+management+companies&biw=1792&bih=821&sz=11&tbm=lcl&ei=kwaLYfnJDebWytMPysG00Ak&oq=calvert+county+property+management+companies&gs_l=psy-ab.3..0i8i30k1.619940.620785.0.621053.7.7.0.0.0.0.127.485.4j2.6.0....0...1c.1.64.psy-ab..1.6.483...0i8i7i30k1.0.SZy50XWtqbc#lrd=0x89b76184380ce78d:0x3ef1fd7ddafca316,1,,,&rlfi=hd:;si:4535685016725529366,l,CixjYWx2ZXJ0IGNvdW50eSBwcm9wZXJ0eSBtYW5hZ2VtZW50IGNvbXBhbmllc0jDpv_DmIKAgAhaQBACEAMQBBgCGAMYBCIsY2FsdmVydCBjb3VudHkgcHJvcGVydHkgbWFuYWdlbWVudCBjb21wYW5pZXMqBAgDEAKSARtwcm9wZXJ0eV9tYW5hZ2VtZW50X2NvbXBhbnmaASNDaFpEU1VoTk1HOW5TMFZKUTBGblNVTjNNa2xNYmtsQkVBRaoBJRABKiEiHXByb3BlcnR5IG1hbmFnZW1lbnQgY29tcGFuaWVzKAA;mv:[[38.988152,-76.39641209999999],[38.233204799999996,-76.9140053]])<br>

<b>Phone</b>: (301) 737-1700﻿<br>

<b>Address</b>: 45370 Alton Ln Suite 102, California, MD 20619<br>

<b>Property Management Monthly Fee</b>: [Contact to find out](https://www.hortonrealtyinc.com/contact-us)<br>

<b>Leasing fee</b>: [Contact to find out](https://www.hortonrealtyinc.com/contact-us)<br>

<b>Lease renewal fee</b>: [Contact to find out](https://www.hortonrealtyinc.com/contact-us)<br>

<br>


## Important factors to consider when searching for Calvert county property management companies

<br>

When evaluating a property manager there are several important factors that you need to consider other than their monthly fees to make a good decision. While monthly fees are important, renewal fees and leasing fees are a key consideration, sometimes other services property managers provide might be well worth above average fees. Consider reviews and what others have to say about about their experience with each property manager before moving forward and signing a contract. Do your research!

<br>

Here are additional factors that you should take into the account:

<br>

- Staff on call and available 24/7 in Calvert county
- How quickly they address maintenance issues
- Do they have an extensive list of contractors in Calvert county
- Do they have a large team of professionals in Calvert country to server as back ups
- How many years of experience do they have in Calvert county, managing rental in different locations sometimes calls for additional skills
- Do they have a competitive rate for Calvert county? If their rate is higher what justifies that? If its lower, is it because they lost clients and need to discount their service?
- Are they locally operated in Calvert county? Proximity to your rental property is key to providing best property management service. 
- Do they collect rent in person in Calvert county or do they have more sophisticated tool to handle rent collection?
- Why tenant services do they provide?
- Are there other top property management companies Calvert county?
- Will they find tenants Calvert county?
- Will they post house listing Calvert county?
- Will they evict tenant Calvert county?
- Do they have good testimonials from other landlords Calvert county?
- Will they quickly find tenants Calvert county?
- Do they have decades of experience Calvert county?
- Do they have access to best contractors Calvert county?

- Do you feel comfortable entrusting you investment property Calvert county to this property management company Calvert county after having an interview with them?

<br>

## Questions to ask a potential Calvert county property management company

<br>

Below you will find a list of interview questions you must ask a potential property management firm before agreeing to hire them to manage your property. These questions will help you identify a good firm and set expectations from day one. Make sure to note their responses so you have an easy way to compare between candidate firms that you interview. Remember you are the client, they will manage and represent you to your tenant, this is a key to being a successful landlord, so no questions are off limits to help you figure which company is the right fit. If any of the responses rub you the wrong way, make sure to note that down and always go with your gut feeling. If something is wrong in this early stage, then its more than likely additional problem will follow, especially when you are not in the room and the firm engages with your tenant directly. Imagine loosing a long term tenant because property management firm didn't do a good job maintaining your property, this is a scenario these questions will help you avoid. Best property management companies Calvert county should have easy time giving you solid answers for below questions. 

<br>

1. What is your monthly property management fee?

2. What is the leasing fee?

3. What is lease renewal fee?

4. Do you have a point of contact who is available 24/7?

5. Do you have a back-up contact in case the first contact is not available?

6. Do you provide any warranties, such as tenant durations warranties? 

7. Do you provide any warranties on how quickly you can find a tenant for my rental?

8. Do you handle all types of rental maintenance issues?  

9. How many rentals do you manage in Calvert county? 

10. What have I not asked you that I should know about? (this is a great open ended question that might reveal more about the company that you didn't anticipate)

11. Why should I choose you over other best property management companies Calvert county? (this is another great open ended question that might reveal more about the company that you didn't anticipate)

<br>

## Can landlords sell properties with tenants in place? 

<br>

Landlords often believe that they have to vacate their property and stage it to get top dollar for their portfolio rental. OfferMarket exists to dispels this notion. Everyday tired landlords or busy landlords post their rental properties with tenants in place on our free and open real estate marketplace to see if another rental investor would give them an offer for their rental. 

<br>

OfferMarket specializes in <b>augmentation of rental portfolios</b>, ether through disposition of outlier properties or through acquisition of attractive rental with tenants already in place. If you want to test the market and see if you get offers on your rental with tenants in place, [create a free listing](https://www.offermarket.us/sell) and see if other landlords would offer you an even higher price than the market since you already have tenants in place and they would have to do less work to make it cashflowing. On the other hand, if you are looking for cash flowing properties, [checkout our map](https://www.offermarket.us/listings) to see if there are any rental properties that might catch your eye, feel free to talk directly to the seller, schedule a tour or submit an offer, completely free and without any obligations. OfferMarket exists to help Maryland landlords buy and sell properties, commissions free, with ease and expediency. 

<br>

Checkout our [listings on our map](https://www.offermarket.us/listings) or [create a free listing to test the market](https://www.offermarket.us)





List of reputable Calvert County property management companies. This list will help any busy landlord kick off their search for a dependable property management company in Calvert County that will take care of their rental needs.

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Reputable Calvert county property management companies - OfferMarket

Reputable Calvert county property management companies

<br>

**Last updated:** April 3, 2024

<br>

![Wichita Kansas DSCR Loan](https://cms.offermarket.us/uploads/Wichita_Kansas_DSCR_Loan_c6dceba056.jpg)

<br>

Kansas presents an appealing market for rental property investors, with DSCR loans emerging as a preferred financing option for both purchase and refinance transactions. Whether you're a seasoned investor or just entering the rental property market, securing your growing portfolio's financing is made simpler with DSCR loans.

<br>

Given our experience funding DSCR loans in Kansas, these are the cities we are most impressed with:

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
  <thead>
    <tr>
      <th>City Name</th>
      <th>Median Home Price</th>
      <th>Median Rent Price</th>
      <th>Population</th>
      <th>Population Growth Rate</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td>Wichita</td>
      <td>$182,500</td>
      <td>$$1,450</td>
      <td>397,000</td>
      <td>1.2%</td>
    </tr>
    <tr>
      <td>Overland Park</td>
      <td>$418,682</td>
      <td>$2,250</td>
      <td>198,000</td>
      <td>2.5%</td>
    </tr>
    <tr>
      <td>Kansas City</td>
      <td>$175,000</td>
      <td>$1,500</td>
      <td>155,000</td>
      <td>0.8%</td>
    </tr>
    <tr>
      <td>Olathe</td>
      <td>$385,000</td>
      <td>$2,000</td>
      <td>145,000</td>
      <td>3.0%</td>
    </tr>
    <tr>
      <td>Topeka</td>
      <td>$172,500</td>
      <td>$1,150</td>
      <td>126,000</td>
      <td>0.5%</td>
    </tr>
    <tr>
      <td>Lawrence</td>
      <td>$285,000</td>
      <td>$1,600</td>
      <td>98,000</td>
      <td>1.8%</td>
    </tr>
  </tbody>
</table>
</div>

<br>

## What is a DSCR Loan?

<br>

DSCR, or Debt Service Coverage Ratio, essentially measures cash flow. It represents the cash flow generated by your rental property above the monthly mortgage payment. A DSCR of 1.0 indicates a break-even scenario, while a DSCR below 1 signals a monthly loss before considering additional expenses. Conversely, a DSCR above 1.0 signifies positive cash flow.

<br>

![DSCR Formula Interest Only](https://cms.offermarket.us/uploads/DSCR_Formula_Interest_Only_9bcd6c02ff.jpg)

<br>

Competitive DSCR loan terms usually require a DSCR of 1.1 or higher, with a DSCR of 1.2 necessary for those with credit scores below 720.

<br>

## Kansas DSCR Loan Rates

<br>

Kansas DSCR loan interest rates align with the national average. OfferMarket's [DSCR Loan Interest Rates Index](https://www.offermarket.us/blog/dscr-loan-interest-rates) tracks prevailing rates. You can also [get an instant DSCR loan quote](https://www.offermarket.us/loans?ref=blog-dscr-loan-kansas) tailored to your property and borrower profile.

<br>

<div style="position: relative;width: 100%;overflow: hidden; padding-top: 100%;">
<iframe style="position: absolute;top: 0;left: 0;bottom: 0;right: 0;width: 100%; height: 100%;border: none;" seamless frameborder="0" scrolling="yes" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vRJPw1fYWqj_5mdlNBrD5MLne_ApqpOXlNmkmNE_sZfPgsbn9pU0mWUenEO1x6WE9237S7jzaQE2Hig/pubchart?oid=262687025&amp;format=interactive"></iframe>
</div>
<br>

<br>

## DSCR Loan Pros and Cons

<br>

![DSCR Loan Pros and Cons](https://cms.offermarket.us/uploads/DSCR_Loan_Pros_and_Cons_49f694af9d.jpg)

<br>

### Pros

<br>

1. **Low doc, no income verification:** DSCR lenders in Kansas typically do not require W2s, pay stubs, or tax returns, making them suitable for self-employed investors.
2. **Availability of capital:** while DSCR loan origination volume is growing, it struggles to meet demand from institutional investors. Competitive credit spreads make DSCR loans attractive.
3. **Competitive interest rates:** with the prime rate -- the rate at which leading banks are lending money to prime borrowers -- at 8.5%, DSCR loan rates are significantly more competitive.

<br>

### Cons

<br>

**New industry with noise:** The growing DSCR loan industry in Kansas has attracted mortgage brokers and private lenders not specialized in DSCR loans, potentially setting wrong expectations.

<br>

**Risk of poor borrower experience:** limited experience among DSCR lenders may lead to challenges in structuring loans to meet unique goals and funding timelines.

<br>

**Uncompetitive terms:** Some mortgage brokers and lenders may charge uncompetitive interest rates and fees, emphasizing the importance of careful lender selection.
Kansas DSCR Loan Requirements

<br>

## Loan requirements in Kansas for DSCR loans

<br>

[DSCR loan guidelines](https://www.offermarket.us/dscr-loan) are straightforward which means it is easy to get funding as long property and borrower guidelines are met.

<br>

**Loan application:** a simple e-sign authorizing the lender to run a credit report and order an appraisal.

<br>

**Borrowing entity:** DSCR loans are business purpose loans, typically requiring an LLC, Corporation, or Trust as the holding entity.

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
<thead>
  <tr>
    <th>Document</th>
    <th>Entity Type</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Articles of Organization</td>
    <td>LLC</td>
  </tr>
  <tr>
    <td>Articles of Incorporation</td>
    <td>Corporation</td>
  </tr>
  <tr>
    <td>Operating Agreement</td>
    <td>LLC</td>
  </tr>
  <tr>
    <td>Bylaws</td>
    <td>Corporation</td>
  </tr>
  <tr>
    <td>Trust Agreement</td>
    <td>Trust</td>
  </tr>
  <tr>
    <td>Certificate of Good Standing</td>
    <td>LLC, Corporation, Trust</td>
  </tr>
  <tr>
    <td>Foreign Entity Registration</td>
    <td>LLC, Corporation, Trust -- if entity and property are in different states</td>
  </tr>
</tbody>
</table>
</div>

<br>

**Credit score:** a personal guarantee from members representing at least 51% ownership is needed, with the lowest guarantor's middle score on a [Tri Merge Credit Report](https://www.offermarket.us/blog/what-is-a-tri-merge-credit-report) determining maximum LTV and minimum DSCR.

<br>

![Tri Merge Credit Score](https://cms.offermarket.us/uploads/Tri_Merge_Credit_Score_141ea5b38b.png)

<br>

In the example above, the qualifying credit score of 732 is used to determine maximum LTV and minimum DSCR. It is hard to understate just how important credit score is if you want to qualify for the highest possible LTV.

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
<thead>
  <tr>
    <th>Document</th>
    <th>Max LTV, Purchase</th>
    <th>Max LTV, Cash out refi</th>
    <th>Minimum DSCR</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>720+</td>
    <td>80%</td>
    <td>75%</td>
    <td>1.1</td>
  </tr>
  <tr>
    <td>700 - 719</td>
    <td>80%</td>
    <td>75%</td>
    <td>1.2</td>
  </tr>
  <tr>
    <td>680 - 699</td>
    <td>75%</td>
    <td>70%</td>
    <td>1.2</td>
  </tr>
  <tr>
    <td>660 - 679</td>
    <td>65%</td>
    <td>60%</td>
    <td>1.2</td>
  </tr>
</tbody>
</table>
</div>

<br>

**Bank account statements:** Liquidity verification involves reviewing your two most recent monthly statements to ensure sufficient reserves for down payment, closing costs, and mortgage payments. A common question is whether you need to use the borrowing entity's bank account for liquidity verification and the answer is no -- you can use personal bank account, brokerage account, retirement account, insurance policy cash value and 1031 exchange escrow account statements.

<br>

** Rent and Security Deposit Receipt:** If the property is leased, the original lease and any renewal leases must be provided, along with verification of security deposits.

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
<thead>
  <tr>
    <th>Document</th>
    <th>Maximum Vacant Units</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Single family</td>
    <td>1</td>
  </tr>
  <tr>
    <td>Duplex</td>
    <td>1</td>
  </tr>
  <tr>
    <td>Triplex</td>
    <td>1</td>
  </tr>
  <tr>
    <td>660 - 679</td>
    <td>2</td>
  </tr>
</tbody>
</table>
</div>

<br>

## Common Underwriting Issues for Kansas DSCR Loans

<br>

**Landlord insurance:** elevated risk of loss due to natural disasters may result in higher landlord insurance premiums which reduces DSCR. [OfferMarket Insurance](https://www.offermarket.us/insurance?ref=blog-dscr-loan-kansas) is an insurance rate shopping platform build specifically for rental property investors that need landlord insurance policies that meet DSCR loan insurance guidelines cost effectively.

<br>

**Flood insurance:** required for properties in FEMA Special Hazard Flood Zones, it can increase processing time and reduce DSCR.

<br>

**Rural property designation:** DSCR loan guidelines are strict when it comes to properties that are [considered rural](https://www.offermarket.us/blog/rural-designation-search-tools) -- DSCR lenders will generally not allow rural properties to be funded, and those in gray areas will require a time consuming exception and and often a significant reduction in LTV.

<br>

## Kansas DSCR Loan Summary

<br>

In summary, Kansas offers a promising landscape for rental property investment, with DSCR loans providing an efficient financing option. However, understanding and navigating the specific challenges and requirements of the Kansas market is essential for success.

<br>

DSCR loans are on the rise in Kansas and quickly becoming the preferred loan type for rental property investors. In this guide, we will share our market insights to help you grow your portfolio in the Sunflower State. 

large_DSCR Loan Kansas.jpg

medium_DSCR Loan Kansas.jpg

small_DSCR Loan Kansas.jpg

thumbnail_DSCR Loan Kansas.jpg

DSCR Loan Kansas.jpg

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