Nov 10, 2026
With more than 26 years of experience, Maureen Martin helps San Diego County investors compare DSCR purchase loans through a wide array of wholesale lenders.
San Diego, United States, November 10, 2026 -- Maureen Martin at HomePlus Mortgage, a San Diego mortgage broker, helps real estate investors and self-employed buyers across San Diego County finance rental properties with DSCR purchase loans. A DSCR purchase loan may let an investor qualify based mainly on a property’s expected rental income instead of personal tax returns or W-2s.
What Is a DSCR Purchase Loan?
Maureen Martin, a San Diego mortgage broker with HomePlus Mortgage, helps real estate investors and self-employed buyers finance rental properties with DSCR purchase loans.
DSCR stands for debt service coverage ratio. The lender compares the property’s expected rent to its monthly payment, including principal, interest, taxes, insurance and any HOA dues. Minimum DSCR ratios vary by lender, and some programs may allow rental income below the monthly payment. Credit, down payment, reserves and other underwriting requirements also apply.
A DSCR purchase loan may be a fit for:
Real estate investors: buying a single-family rental, condo or 2–4 unit property.
Self-employed real estate investors: whose write-offs make their income look lower on paper.
Growing portfolios: investors adding another rental.
Requirements apply: DSCR loans are for investment properties only and can’t be used to buy a primary residence. They typically require a larger down payment than owner-occupied loans, rates may be higher than conventional financing, and some programs include prepayment penalties. Requirements vary by lender.
“I’m an independent mortgage broker, not a direct lender pushing one product line,” said Maureen Martin. “A lot of investors come to me after their bank said no because their tax returns don’t tell the whole story. With a DSCR loan, the property’s rental income is central to qualifying, although borrower and property requirements still apply. I shop it with my wholesale lenders, explain the trade-offs in plain English, and let the investor decide if the numbers work.”
Investors can run payment scenarios with the mortgage calculator or get pre-qualified before making an offer.
Full Range of San Diego Mortgage Services
Beyond DSCR financing, Maureen Martin offers:
VA, conventional, FHA, jumbo and high-balance purchase loans
Rate-and-term and cash-out refinancing
Fixed-rate second mortgages that let homeowners access equity while keeping a low-rate first mortgage in place
Reverse mortgages for eligible homeowners. HECM borrowers must keep paying property taxes and homeowners insurance and maintain the home, HUD-approved counseling is required, and the loan balance generally grows over time.
Mortgage Broker Serving San Diego County
Maureen Martin works with borrowers throughout San Diego County, including San Diego, University City, University Heights, North Park, South Park, Normal Heights, Clairemont, Bay Park, Serra Mesa, Linda Vista, Mission Valley, Mira Mesa, Tierrasanta, Kearny Mesa, Allied Gardens, San Carlos, Del Cerro, Pacific Beach, Ocean Beach, Otay Mesa, La Mesa, Lemon Grove, El Cajon, Santee, Spring Valley, Lakeside, Rancho San Diego, Chula Vista, Imperial Beach, Bonita, Oceanside, Carlsbad, Vista, San Marcos, Escondido, Fallbrook and Ramona.
Quick Answers
What is a DSCR purchase loan?
A loan for buying an investment property that qualifies mainly on the property’s rental income.
Can a DSCR loan be used to buy a primary residence?
No. DSCR loans are for investment properties only.
Why use an independent mortgage broker for a DSCR loan?
DSCR guidelines and pricing vary by lender. Maureen Martin at HomePlus Mortgage can compare DSCR options from a wide array of wholesale lenders.
About Maureen Martin at HomePlus Mortgage
Maureen Martin at HomePlus Mortgage is a San Diego mortgage broker who has served the San Diego mortgage market since 1999. With more than 26+ years of experience and access to a wide array of wholesale lenders, she focuses on VA purchases, VA refinances and VA IRRRLs, as well as reverse mortgages, including HECMs for eligible homeowners age 62 and older and proprietary reverse mortgage options that may be available to eligible borrowers as young as age 55. She also helps first-time homebuyers, move-up and repeat buyers, and buyers relocating to San Diego. Her services include conventional, FHA, jumbo and high-balance loans; first-mortgage refinances, including those tied to divorce, estate settlements or co-owner buyouts; debt consolidation loans and second mortgages; and non-QM options such as bank statement loans for purchases and refinances. Borrowers searching for a mortgage lender near me can learn more at sandiegohomelender.com.
Maureen Martin | NMLS #247664 | DRE #01266511 — HomePlus Corporation dba HomePlus Mortgage dba SanDiegoHomeLender NMLS 78669 | DRE 01426454. NMLS Consumer Access: www.nmlsconsumeraccess.org. HomePlus Mortgage is not affiliated with the VA, FHA, HUD or any other government agency. All loans are subject to borrower eligibility, credit approval, underwriting and property requirements. Program terms and availability may change. Equal Housing Opportunity.
Contact Info:
Name: Maureen Martin
Email: Send Email
Organization: Maureen Martin at HomePlus Mortgage
Address: 1455 Frazee Rd Ste 500, San Diego, CA 92108
Phone: (619) 857-7191
Website: https://sandiegohomelender.com/
Release ID: 89209118
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