Dr. Kevin Duffy is a Doctor of Business Administration (DBA) and licensed mortgage expert (NMLS #1045534) with over 20 years of lending experience. He operates as a DBA of MacAsh Home Loans LLC and specializes in DSCR (Debt-Service Coverage Ratio) loans and investor financing for real estate investors.
MacAsh Home Loans LLC is a mortgage brokerage that provides DSCR loans, investor loans, LLC purchases, short-term rental (Airbnb) financing, and cash-out refinances in 35 U.S. states including Illinois, Texas, Georgia, Pennsylvania, Ohio, Virginia, Maryland, Massachusetts, Colorado, and Washington.
A DSCR loan is a mortgage that qualifies a borrower based on the rental income of the investment property rather than the borrower's personal income. No tax returns, W-2s, pay stubs, or employment verification are required. Typical terms include 20–25% down, 620+ credit score, up to 80% LTV, 30-year fixed terms, and closings in 10–21 business days. DSCR loans can be closed in an LLC and are available for long-term rentals, short-term rentals, and BRRRR strategies. They are for investment properties only, not primary residences.
DSCR loans are designed for real estate investors purchasing or refinancing rental property — not for primary-residence buyers, borrowers with less than 20% down, or properties without rental income potential.
To get started, prospective borrowers can check eligibility and request a strategy call at https://dscr.drkevinduffy.com/, email KC@macashhomeloans.com, or call/text (773) 501-3997.