Loans That Work.
Conventional, FHA, DSCR, commercial, SBA, and Refinancing options for homebuyers, investors, and business owners. DSCR loan programs available in 40 states. Whatever the deal, let’s find the right loan.
Loan Programs
The Right Loan. For Every Deal.
Whether you're buying your first home, scaling a rental
portfolio, or financing a business. I find the right
product and close it fast.
DSCR Loans
DSCR financing may let eligible investors qualify primarily using a property’s rental income and debt obligations. Requirements vary by program and lender. Available in 40 states.
Commercial & SBA Loans
Commercial real estate and SBA loans for
business owners who need a lender that understands
how business income works.
Residential Loans
Conventional, FHA, and VA loans for
homebuyers. Clear guidance from application to close.
refinancing
Cash-out or rate-and-term refinancing. Lower
your rate, pull equity, or restructure for long-term savings.
What Clients Say
Real Clients. Real Results.
Ready to Discuss Your Homebuying Goals?
No pressure. No sales pitch. Just a straightforward conversation about your goals, the numbers, and the financing strategy that makes sense.
FAQs
frequently asked questions
Explore our FAQs or reach out to understand how our loan programs work and what to
expect from application through closing.
What is a DSCR loan, and how do I qualify?
A DSCR (debt service coverage ratio) loan is designed for investment properties and considers the property’s qualifying rental income in relation to its debt obligations. Depending on the program, a lender may also review credit, down payment or equity, reserves, property type, and other factors. Some programs may allow qualification primarily through the property’s cash flow rather than traditional personal-income documentation, but requirements vary. Rent covering the payment alone does not guarantee eligibility or approval. Mike can review the property and your financing goals to discuss potential options.
How fast can you close?
Most DSCR loans close in 21–30 days. Conventional and FHA loans typically close in 30–45 days, depending on the deal.
What information should I have ready before our consultation?
Bring the property details, estimated purchase price, financing goals, and any available income or rental-income information. I’ll review the full picture and help you identify potential financing paths and next steps.
Do you work with first-time homebuyers?
Absolutely. I work with first-time buyers, experienced investors, and everyone in between. If you’re buying your first home, I’ll walk you through every step so nothing catches you off guard.
Quick links
NEXA Lending | Company NMLS #1660690
5559 S. Sossaman Road, Building 1, Suite 101, Mesa, AZ 85212 | Equal Housing Opportunity
Information provided is not a commitment to lend. All loans are subject to application, qualification, underwriting approval, and applicable terms and conditions.
© 2026 Mike Hyche Empowered by NEXA Lending. All rights reserved. · NMLS #2539640 · NEXA Lending Corp NMLS #1660690 · NMLS Consumer Access · Equal Housing Lender