🎉 DSCR Loan Officer | Rebecca Soukup

🏡 How to Choose the Right Mortgage Plan in Colorado

Navigating mortgage options in Colorado’s competitive real estate market doesn’t have to be overwhelming. Rebecca Soukup, a seasoned Loan Officer with a sharp focus on DSCR loans and residential lending, simplifies the process for investors, first-time buyers, and seasoned homeowners alike. Her Colorado-specific expertise ensures you’re selecting a loan program that aligns with your financial goals and property plans.

1. Evaluate Your Investment or Homeownership Profile

Rebecca starts by reviewing your current financial standing—whether you’re an investor using rental income to qualify or a traditional homebuyer with W-2 income. Key areas of focus include:

• Credit profile and history

• Income or DSCR (Debt Service Coverage Ratio) metrics

• Asset reserves and liquidity

• Debt-to-income or property cash flow

Understanding these factors upfront helps narrow down the most viable loan options.

2. Define Your Colorado Real Estate Goals

Are you purchasing a rental property in Denver, refinancing a mountain home in Vail, or investing in a multi-unit asset on the Front Range? Rebecca helps you identify the best loan strategy:

• Fixed-rate loans for long-term stability

• Adjustable-rate loans (ARMs) for short-term ownership or value-add investments

• DSCR loans ideal for real estate investors leveraging property cash flow instead of traditional income documentation

Every goal has a lending solution—and Rebecca makes sure they match.

3. Compare Mortgage Programs Side by Side

With access to a full suite of mortgage products, Rebecca offers detailed comparisons of top programs, including:

✅ DSCR Loans – Use rental income for qualification; no tax returns required
✅ Conventional Loans – Ideal for primary residences with strong credit
✅ FHA Loans – Great for low down payments and first-time buyers
✅ VA Loans – Zero-down options for qualified Colorado veterans
✅ Jumbo Loans – For higher-priced homes above conforming loan limits

She’ll break down the terms, benefits, and requirements for each.

4. Choose the Right Loan Term

Choosing between a 15-year or 30-year mortgage can impact your long-term finances. Rebecca offers strategic advice:

• 15-Year – Build equity fast, pay less interest

• 30-Year – Lower monthly payment, increased cash flow

For investors using DSCR loans, Rebecca aligns your loan term with property ROI and future resale timelines.

5. Understand All Ownership Costs Upfront

Rebecca ensures full transparency about every cost involved in owning a home or investment property in Colorado. These often include:

• Property taxes (which vary by county)

• Homeowners insurance or landlord coverage

• HOA dues (if applicable)

• Appraisal, title, and lender fees

• Private Mortgage Insurance (PMI) when applicable

There are no surprises—only clear numbers and strategic planning.

📞 Ready to Take the Next Step?

Whether you’re an investor looking to leverage Colorado rental income or a homeowner purchasing your dream home, Rebecca Soukup is ready to help.

📍 Rebecca Soukup, DSCR Loan Officer
🏦 Client Direct Mortgage
📞 Phone: (303) 621-6163
📧 Email: rsoukup@clientdirectmtg.com

💳 Improve Your Credit Score Before Applying for a DSCR Loan or Mortgage

Improving your credit score is essential to securing the best mortgage terms—and Rebecca Soukup, Loan Officer at Client Direct Mortgage, is here to help you every step of the way. With Rebecca’s expert guidance, you can take the right steps now to increase your score and qualify for better rates, more options, and lower payments when applying for a mortgage or DSCR loan.

📋 Review Your Credit Report

Start by reviewing your reports from the three major credit bureaus—Equifax, Experian, and TransUnion. Rebecca will help you identify any inaccuracies that may be lowering your score and guide you through the process of disputing errors that don’t belong on your report. You can also use tools and insights from Middle Credit Score® to better understand how lenders view your score and what actions can make the most impact.

✍️ Dispute Credit Report Errors

Errors can drag your score down without you even realizing it. Rebecca will show you how to initiate disputes quickly and efficiently, ensuring your credit profile accurately reflects your financial responsibility—often leading to a noticeable score increase.

💸 Pay Down Outstanding Debt

Your credit utilization ratio is one of the biggest factors impacting your credit score. Keeping your balance below 30% of your available credit is key. Rebecca will help you:

• Strategically pay down revolving debt

• Target high-interest balances first

• Create a custom debt reduction plan that supports your homeownership or DSCR loan goals

🚫 Avoid New Credit Inquiries

Each new credit inquiry can reduce your score slightly. Rebecca recommends avoiding new credit cards or loans in the months leading up to your mortgage or investment property application. This helps preserve your score and shows lenders you’re financially stable.

⏰ Make On-Time Payments

Payment history makes up 35% of your FICO score. Rebecca will help you:

• Set up automatic payments

• Use reminders and digital tools to stay on track

• Build a strong payment history that strengthens your loan application

🧾 Address Negative Items on Your Report

Have late payments, collections, or charge-offs? Rebecca will work with you to:

• Negotiate with creditors

• Settle outstanding debts

• Rebuild your credit profile over time using smart, consistent financial habits

🛠️ Bonus Resource: Middle Credit Score®

If you’re unsure where your score stands—or want to learn what your Middle Credit Score is and why it matters—check out Middle Credit Score®. It’s a powerful resource to give you clarity, confidence, and actionable guidance to improve and maintain your score before applying for a mortgage or DSCR loan.

📞 Take Control of Your Credit Future

Working with a loan officer who understands how to improve credit before applying can make all the difference. Contact Rebecca Soukup today for a one-on-one credit consultation and get on the right track toward your financial and investment goals.

📍 Rebecca Soukup, DSCR Loan Officer
🏦 Client Direct Mortgage
🌐 DSCRLoanOfficer.com
📞 (303) 621-6163
📧 rsoukup@clientdirectmtg.com

🏠 Real Estate Investor Loans in Colorado Start with Rebecca Soukup at Client Direct Mortgage

Specializing in DSCR Loans, Rental Property Financing & Custom Mortgage Strategies

Whether you’re building a real estate portfolio or financing your first investment property, Rebecca Soukup at Client Direct Mortgage delivers expert guidance, smart loan solutions, and personal support that make complex lending feel simple.

With years of experience working with property investors, self-employed borrowers, and first-time buyers across Colorado, Rebecca takes pride in helping you access the right loan structure—especially Debt Service Coverage Ratio (DSCR) loans, which are ideal for qualifying based on the rental income of the property, not personal income.

🧠 What Makes Rebecca Different?

Rebecca doesn’t just process loans—she strategically structures them to align with your long-term financial goals. Her niche expertise in Colorado DSCR loans and non-owner-occupied property lending allows her to match you with the right product, lender, and terms—while maintaining full transparency and control throughout the process.

Whether you’re investing in Denver, Boulder, Fort Collins, Colorado Springs, or smaller rental markets throughout the state, Rebecca is a trusted local expert with the insight and experience to help your deal close smoothly.

📊 DSCR Loan Expertise & Investor-Focused Solutions

DSCR Loans are a top option for borrowers who prefer to qualify based on property cash flow instead of personal income or tax returns. Rebecca walks you through every detail of how they work.

Here’s what she offers:

✔ DSCR Pre-Qualification Guidance
Rebecca ensures you understand how DSCR ratios work, what underwriters look for, and how to position your rental income and property expenses for the best approval chances.

✔ Flexible Programs for Short-Term & Long-Term Rentals
Whether you’re financing an Airbnb in Aspen or a long-term duplex in Pueblo, Rebecca has access to flexible programs tailored to both.

✔ No Income or Employment Verification Required
As an expert in no-doc, asset-based, and non-QM lending, she makes the process seamless for self-employed borrowers and investors with complex financial profiles.

✔ Cash-Out Refinance Options for Rental Properties
Want to pull equity from a performing property to fund your next deal? Rebecca helps investors unlock capital with competitive cash-out refinance solutions.

💼 Custom Lending for Real Estate Investors, Entrepreneurs & Business Owners

Rebecca doesn’t take a cookie-cutter approach. She thrives in scenarios where traditional lenders fall short.

Her clients often include:

• Self-Employed Entrepreneurs

• Real Estate Investors

• 1099 Contractors & Freelancers

• LLCs & Business Entities

• Out-of-State Investors Financing in Colorado

She listens carefully, analyzes your goals, and delivers clarity—even when the situation seems complex.

🔁 Refinance, Grow & Optimize Your Portfolio

Already own a property? Rebecca offers investor-focused refinance solutions that help you:

• Lower your monthly payment

• Adjust loan terms

• Extract equity for future investments

• Move from high-rate hard money loans to better long-term terms

⭐ Why Investors Trust Rebecca Soukup

✅ Specializes in DSCR & Investor Loans
✅ Deep Knowledge of Colorado Real Estate Markets
✅ Works with Individuals, LLCs & Trusts
✅ No-Nonsense Communication & Fast Closings
✅ Backed by Client Direct Mortgage’s Nationwide Lender Network

📍 Work with a DSCR Loan Expert in Colorado

If you’re buying a rental property, refinancing for cash-out, or growing a real estate portfolio in Colorado, Rebecca Soukup is your dedicated partner from start to finish.

📍 Rebecca Soukup, DSCR Loan Officer
🏦 Client Direct Mortgage
📱 (303) 621-6163
📧 rsoukup@clientdirectmtg.com
🌐 DSCRLoanOfficer.com

🗂 What Documents Do You Need to Apply for a Mortgage with Rebecca Soukup?

Applying for a mortgage in Colorado doesn’t have to be overwhelming—especially when you work with Rebecca Soukup, Loan Officer at Client Direct Mortgage and the featured expert on DSCRLoanOfficer.com. Rebecca specializes in helping Colorado homebuyers, investors, and homeowners secure the right financing—whether it’s a DSCR loan for investment properties, a first-time homebuyer program, or a traditional purchase or refinance loan. Having the right documents ready upfront can streamline your approval and help you access the best rates and terms.

✅ Core Documents for Colorado Mortgage Applications

📄 Proof of Income

• W-2 Forms (Past 2 Years): Verifies employment history and income stability.

• Recent Pay Stubs (30 Days): Confirms current earnings.

• Tax Returns (2 Years): Required if you’re self-employed, own multiple properties, or have additional income streams—especially relevant for DSCR and investor loans.

🪪 Proof of Identity

• Government-Issued ID: Driver’s license or passport to verify identity.

• Social Security Number: Needed to pull your credit report and confirm identity.

📉 Credit History & Debt Information

Rebecca will review your full credit profile—including revolving debt, installment loans, and investment property obligations—to assess your eligibility for programs like DSCR loans, FHA, VA, or conventional financing. Providing documentation of all outstanding debts (credit cards, auto loans, student loans, etc.) ensures an accurate debt-to-income calculation.

💰 Proof of Assets

• Bank Statements (Last 2 Months): Demonstrates funds available for down payments, reserves (important for DSCR loans), and closing costs.

• Retirement or Investment Account Statements: Required if you plan to draw funds from a 401(k), IRA, or brokerage account.

💼 Proof of Employment or Business Ownership

• Employment Verification: Rebecca may contact your employer to confirm job status.

• Self-Employed or Investor Applicants: Prepare to provide business licenses, profit-and-loss statements, 1099s, or rent-roll schedules—especially critical for DSCR loans and investment property financing.

🏡 Loan Program–Specific Documentation

Depending on the type of loan you’re pursuing in Colorado, you may need additional paperwork:

• Conventional Loans: Stronger proof of income and assets.

• FHA Loans: Additional documentation for eligibility and lower down payments.

• VA Loans: Certificate of Eligibility (COE) and DD-214 discharge papers for veterans.

• DSCR Loans (Debt Service Coverage Ratio): Rental income documentation, lease agreements, or property cash-flow statements to qualify based on property income rather than personal income.

💡 Pro Tip: Check Your Middle Credit Score®

Most lenders—including those offering DSCR loans—use your Middle Credit Score® to determine eligibility and rates. Knowing your score before applying can save time and money. Visit MiddleCreditScore.com to review your credit health and discover tools to improve your score before submitting your application.

📞 Ready to Get Started?

Rebecca Soukup at Client Direct Mortgage will guide you through every step of the process—from gathering the right documents to closing on your loan. Whether you’re financing your first Colorado home, refinancing, or purchasing an investment property with a DSCR loan, Rebecca provides expert, one-on-one support to help you succeed.

📍 Rebecca Soukup, DSCR Loan Officer
🏦 Client Direct Mortgage
🌐 DSCRLoanOfficer.com

📞 (303) 621-6163
📧 rsoukup@clientdirectmtg.com

✅ Build your future with confidence. Work with Rebecca Soukup, Colorado’s go-to expert for DSCR loans, investment property financing, and personalized mortgage solutions.