No. While a big part of our focus is serving real estate investors and investment‑property strategies, we also help with primary‑home purchases, second homes, and refinances. Whether you’re buying your first home or expanding a portfolio, we can help you explore options that fit your situation

We are currently licensed to originate mortgages in Utah. For clients outside of Utah, we can help connect you with lending options across the United States, depending on program availability.

A DSCR (Debt Service Coverage Ratio) loan is an investor‑focused mortgage for non‑owner‑occupied properties where qualification is based primarily on the property’s cash flow, not just traditional income documentation. Lenders look at how well the rent covers the mortgage payment instead of relying only on W‑2s or tax returns, which can be especially helpful for full‑time investors and self‑employed borrowers.

Yes. We have access to lenders that offer different equity‑based solutions, including first and second‑position options designed for personal and investment properties, subject to program guidelines. These can help investors tap into existing equity for acquisitions, renovations, or restructuring debt while keeping flexibility in their overall strategy.

Through NEXA Mortgage and our lending partners, we can help with a wide range of options, including investor‑focused products like DSCR financing and equity‑based solutions, as well as more traditional loan programs for primary and second homes. Available loan types can include conventional, FHA, VA, jumbo, 203K, and USDA programs, where eligible and appropriate for your situation.

The “right” loan depends on your goals, timeframe, and overall financial picture. For some, a traditional fixed‑rate mortgage on a primary home is the best fit; for others, an investor‑focused option like a DSCR loan or an equity‑based solution on an existing property may make more sense. We start by talking through your goals, then walk you through the options so you can make an informed decision.

For traditional loans, lenders commonly request items like identification, income documentation, asset statements, and information about your debts. For investor‑focused programs such as DSCR loans, the emphasis is often more on the subject property’s income, expenses, and lease information, though personal credit and other factors still matter. We’ll give you a tailored checklist based on your specific loan type.

A single bank can typically only offer its own loan products. By working with Solavi Team, Empowered by NEXA Mortgage, you gain access to a wider variety of lenders and programs, including options designed specifically for investors and more complex scenarios. That flexibility can make it easier to find a structure that fits your goals rather than forcing your goals to fit a single, one‑size‑fits‑all loan.

Timelines can vary based on the type of loan, how quickly documents are provided, and third‑party items like appraisals. Many standard transactions can move from application to closing in a matter of weeks once everything is in place, while more complex investor or specialty loans may take longer. We’ll give you realistic expectations up front and keep you updated along the way

In most cases, compensation related to your loan is built into the pricing of the mortgage and disclosed in your official loan documents and closing disclosures. You won’t receive a separate bill from us for our services; instead, our compensation is part of the loan structure, subject to applicable regulations. We’re always happy to walk through your disclosures so you understand how everything is set up.

Some lenders charge certain upfront fees while others do not, and the structure can vary by program and scenario. We’ll review any applicable costs with you before you proceed so you know what to expect and can make an informed decision.

DSCR loans are generally designed for real estate investors purchasing or refinancing non‑owner‑occupied rental properties and who may have complex or non‑traditional income. They can be a good fit if you own multiple properties, are self‑employed, or prefer to qualify based more on property cash flow than personal income.

In many cases, lenders do offer equity lines or similar products on investment properties, but requirements are usually stricter than for primary homes—for example, higher credit score expectations, more equity, and stronger reserve requirements. We can review your scenario and explore available options through our lending network.

You can get started by reaching out for a strategy call or by completing a short online form. From there, we’ll talk through your goals, review your situation, and outline next steps—whether that’s a full application, exploring DSCR or equity‑based options, or simply planning ahead for a future purchase.