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John Meussner, #MortgageMadeEasy Fair Oaks, CA 484-680-4852 (Catalyst Mortgage)

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Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

Hi John Meussner 

 My (limited) understanding is that this loan is for investment property.  The borrower is qualified based upon the cash flow (net income) from that property.   The borrower's personal income and personal net worth does not come into play.

Oct 28, 2025 04:14 PM
Rainmaker
1,156,763
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

Yes, lender's gotta be sure the property generates enough income to cover the mortgage . . .  
Would love to read your post about how this can be used advantageously! 

Oct 29, 2025 06:14 AM
Rainmaker
5,868,546
Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Have not kept up since I retired. A limited use product for investors using income from the property to service the debt.

Oct 29, 2025 04:32 AM
Rainmaker
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Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co Notary Services retired RE Broker

I do not know the details so thank you for bringing up the topic John Meussner .

Oct 28, 2025 11:37 AM
Rainmaker
2,967,413
Richie & You
people first-then business - Riverside, CA
Author & Consultant

Another good source of loan data & info listen up & learn from John Meussner 

Oct 28, 2025 03:17 PM
Rainmaker
606,263
Katina Hargrove 352-551-0308
Stake Your Land Realty, Inc. - Sorrento, FL
Broker/Owner, SFR®, e-PRO®, GRI, AHWD, REALTOR®

John Meussner I learned about it six months ago. A buyer's agent was trying to get her buyer qualified, the issue was there were not comps in the area and the buyer did not want to go that route.

Oct 28, 2025 11:26 AM
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Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

 

I do not. 

Oct 29, 2025 07:29 AM
Rainmaker
984,679
Eileen Burns 954.483.3912
Douglas Elliman Las Olas - Fort Lauderdale, FL
FLorida Real Estate Connector

A great topic for a zoom presentation John Meussner Are you available 11/18 or 12/9?😎

Oct 29, 2025 06:51 AM
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Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

Thanks for sharing this John.

Oct 29, 2025 01:23 AM
Rainmaker
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Doug Dawes
Keller Williams Evolution - 447 Boston Street, Suite #5, Topsfield, MA - Topsfield, MA
Your Personal Realtor®

No, but I have a feeling I will be finding out...lol

Oct 29, 2025 10:20 AM
Rainmaker
552,327
Matthew Sturkie, CRS, GRI 909-969-3805
Action Realty - Apple Valley, CA
CRS, GRI 909-969-3805

I know they are out there but have not had the chance to use one. Don't know all the ins and outs.  Uses property income to qualify instead of buyer income.

Oct 30, 2025 08:04 AM
Rainer
441,285
Adam Feinberg
Elegran - Manhattan, NY
NYC Condo, Co-op, and Townhouse Advisor

It's a tool for investment property's. If the ratio is above a 1, then the property is covering it's expenses. Every bank will have a different threshold in which to lend in. Typically banks in my market want to see at least 30% down payment for investment properties but 50% is not uncommon- and it also allows them to see a DSCR above a 1. 

Oct 30, 2025 05:25 PM
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