Benson Pang founded NestMade Mortgage in 2017 and leads the firm’s investor financing. He works day to day with real estate investors on the loans conventional guidelines make hard: DSCR rentals, non-QM and bank-statement files, and growing portfolios. As a broker, he compares programs across multiple lenders and matches each property to the one that actually fits.

What Benson focuses on

• DSCR loans for California rentals, qualifying on the property’s cash flow instead of personal income
• Non-QM and bank-statement financing for self-employed buyers and investors
• Portfolio financing for investors who already carry several mortgages
• Investment property purchases and refinances, including LLC vesting and cash-out
• Tougher scenarios, from non-warrantable condos to short-term rentals

How he approaches a DSCR file

DSCR is not one product. Every lender sets its own minimum ratio, down payment, credit, and short-term-rental rules. Benson’s approach is to understand the property and the investor’s goal first, then find the program that fits, rather than forcing the file onto one lender’s shelf. On a California deal, that includes checking how the property’s reassessed taxes and any Mello-Roos affect the ratio before anyone relies on a number.

Start a scenario

Send the property and the numbers for a no-cost review, or estimate your ratio first with the California DSCR calculator. You can also read the full California DSCR guide, review DSCR requirements, or meet the rest of the NestMade team.

Send Benson your scenario