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Coming to Presto
DSCR Investor Loans

Your next property.
Qualified on rent, not your W-2.

DSCR investor loans are coming to Presto. If the property's rent covers the mortgage — you qualify. No W-2. No tax return. No employment verification.

Check My Numbers → Get Notified at Launch
A different kind of loan

What if your tenant
paid the mortgage?

Most investors hit the same wall. Their tax returns show deductions. Their income looks complicated on paper. The bank says no — even though the deal actually works.

A DSCR loan changes the equation. Instead of qualifying you on personal income, the loan qualifies on the property's rental income. If the rent covers the payment, you qualify. That's the entire model.

  • No W-2 required
  • No employment verification
  • No two years of personal tax returns
  • The property does the talking
Who this unlocks

Built for real investors.

This program is designed for people whose financial reality outpaces what a W-2 can show.

  • You own your home and you're ready for the next property
  • You're self-employed — your returns don't reflect your real position
  • You're a current landlord looking to scale
  • You closed a Presto loan and your equity has grown
  • You went through the 90-Day Path and you're thinking bigger
◎

If you're a past Presto client, your file is already half-built. Sophie has been watching your equity. When DSCR launches, you'll hear from us first.

The Ratio

The math is simple.
One number tells the story.

÷

The Formula

Monthly Rent ÷ Monthly Mortgage Payment = Your DSCR

1.25

The Threshold

A DSCR of 1.25 means the property earns $1.25 for every $1.00 it owes. That's the typical lender minimum.

Example

It Works Like This

Rent: $2,500/mo  ·  Mortgage: $2,000/mo  ·  DSCR: 1.25  ·  Result: Qualifies.

Pre-Qualification Calculator

See if your deal
qualifies right now.

Enter the property's expected monthly rent and your estimated mortgage payment. We'll tell you exactly where you stand.

Results are estimates based on standard DSCR methodology. Actual qualification depends on lender review at time of application. Equal Housing Lender.

Why Presto

Same team.
Same fastest close.
New program.

Mariane's team closes faster than anyone in NorCal. That doesn't change because the property type does. Investment properties compete — speed wins deals here too.

  • Mariane already knows your file if you're a past client
  • Sophie monitors equity milestones — we'll reach out when your numbers work
  • Past Presto clients get first access at launch
  • Same NMLS. Same compliance. Same care.

Sophie is already watching.

If you've closed a loan with Presto, Sophie has been tracking your equity position. When DSCR launches, we won't wait for you to call — we'll reach out to every past client whose numbers make sense for an investment property.

No W-2. No tax return theater.

Self-employed borrowers have been underserved by conventional lending for decades. DSCR was built for people whose real financial picture doesn't fit a 1003 box. Presto is bringing it to NorCal.

Be First

DSCR is coming to Presto.
Get on the list.

We're not ready to launch yet — but we're building toward it. When it goes live, the list comes first. Enter your details and Sophie will reach out the moment it's available.

No spam. One email when it launches. Unsubscribe any time.