The questions people are embarrassed to text. Answered.

Tiaira is licensed in Minnesota, Wisconsin & North Dakota with Fairway Home Mortgage, a dba of Fairway Independent Mortgage Corporation (NMLS #2289). Her individual NMLS ID is #2568351.

Text 651-334-9049. Investors move fast and so does she. Email tiaira.quinn@fairwaymc.com works for documents and longer questions; the secure upload link on the contact page is for anything sensitive.

No — she built her reputation on first-time buyers and still helps families buy homes. This site is focused on DSCR and investor financing because that is where the questions are hardest to get answered, and where she wants to be the person you text.

No. She finances property in Minnesota, Wisconsin & North Dakota, and many of her investors live in one state and buy in another. Everything happens by text, email, secure upload and e-signature; closing can be done with a mobile notary.

No. There are no forms, trackers, cookies or analytics on this site. When you apply or upload documents, you go to Fairway’s secure systems, which are governed by Fairway’s privacy policy.

An investment-property loan that qualifies on the property’s rent divided by its full payment, instead of on your personal income.

1.00 or higher — rent at least equal to the payment — typically qualifies with the best pricing. Many programs allow lower ratios with adjustments. Tiaira confirms the current minimum on the program that fits your deal.

No. No tax returns, W-2s, pay stubs or debt-to-income calculation. You still provide ID, credit, bank statements for the down payment and reserves, the lease or appraiser’s rent schedule, insurance, and entity documents if you’re vesting in an LLC.

No. DSCR loans are business-purpose loans on non-owner-occupied property. If you want to live in a multi-unit property, house hacking with an owner-occupied loan is the honest route.

On many programs, yes — sometimes with a requirement that you own your primary residence or a slightly higher credit score. Tiaira matches first-time investors to programs that accept them.

DSCR purchases typically run 20–25% down; conventional single-family rentals start around 15%; owner-occupied house hacks start at 3.5–5%. Larger down payments improve the ratio and the pricing.

Liquid funds left after closing, measured in months of the full payment. DSCR programs typically want several months on the property you’re buying and sometimes on other rentals you own. Tiaira will give you the exact figure for your program.

It depends on the program — many DSCR programs allow gift funds for part of the down payment with documentation, some don’t. Ask before you count on it.

Typically yes, compared with a conventional investor loan for the same borrower. Tiaira prices both so you see the real difference and choose with eyes open.

A fee for paying off the loan early, common on DSCR loans for one to five years, usually in exchange for a lower rate. Take it if you plan to hold; avoid or shorten it if you plan to BRRRR or sell soon. What’s allowed varies by state and program.

Typically three to four weeks from application, driven mostly by the appraisal. Lighter file, fewer conditions, and repeat investors often close faster.

Often around six months of ownership on the new appraised value, with delayed-financing options on some programs if you paid cash. Tiaira checks the seasoning rule that applies to your loan before you buy.

Before. The contract, loan, lease, insurance and title should all match the entity from the start. Fixable later, but it costs days.

Nothing formal. Tell her what you want to buy, where, whether you’ll live in it, your credit range, and what you have for cash. If you have an address, bring the listing.