Frequently asked questions

No. BuyBox is an informational tool that estimates whether a rental property cashflows and would likely fund, then connects you with a licensed mortgage professional. We don't originate loans or make credit decisions.

For a DSCR investment loan, generally no. These loans qualify on the property's rent rather than your personal income, so they typically don't require W-2s, pay stubs, or tax returns. You'll still need a credit check, a down payment, reserves, and an appraisal.

Most DSCR loans require about 20–25% down for a single rental property. The exact figure depends on the property's cashflow, your credit, and the property type. Putting more down raises your DSCR and your monthly cashflow.

Rent estimates are built from current market comparables in each property's ZIP code, and payment and cashflow figures use standard investment-loan assumptions. They're solid estimates for screening deals, but they're not a quote — a loan officer confirms real terms before anything is final.

No. Browsing the catalog, running the calculator, and getting matched with a loan officer are free. There's no credit pull to start and no obligation.

When you ask to get matched, we share your contact details and the inputs relevant to your inquiry with the licensed mortgage professional who follows up with you. We only send texts or place automated calls if you separately consent, and you can opt out anytime. See our Privacy Policy for full detail.

The catalog currently covers Colorado, Oklahoma, and Florida. If your state isn't active yet, you can add it to the waitlist from the calculator and we'll let you know when it opens.

Yes. DSCR loans are for non-owner-occupied property, but if you don't own a home yet, the house-hack path uses owner-occupied financing — often with a much lower down payment — to get you into your first property while renting out the rest.