01 / PURCHASE
Your next rental property.
Discuss financing for an investment-property purchase. Bring the property location and your plans, and explore what the next steps could look like.
Talk through a purchaseBUSINESS-PURPOSE RENTAL FINANCING
Rental property loans.
Real conversations.
Explore DSCR loans for non-owner-occupied rental-property purchases and refinances. Talk through your property and financing goals directly with Joe Criscione.
Your property. Your plans.
Let’s talk through the financing.
Let’s talk through the financing.
PROPERTY-FOCUSED FINANCING
THE NEXT CHAPTER
A property worth
planning for.
Architectural illustration
Financing for the way
you invest.
YOUR NEXT MOVE
A plan for the property
you have in mind.
Whether you’re buying a rental or taking a fresh look at an existing loan, start with your goals.
02 / REFINANCE
A fresh look at your financing.
Review your investment-property refinance goals, including loan structure or potential access to equity, subject to available programs and qualification.
Explore a refinanceDSCR, IN PLAIN ENGLISH
Start with what
the property earns.
DSCR stands for debt service coverage ratio. It compares a property’s rental income with its debt payments and certain housing costs.
For rental-property investors, DSCR financing can be one way to evaluate a purchase or refinance. Joe can help you discuss the property, the loan options and the requirements that apply.
A few common questionsTHE BASIC IDEA
Rental income
÷
Monthly housing payment=
Debt service
coverage ratio
Housing payment may include principal, interest, property taxes, insurance and association dues. Calculation details and eligibility vary by lender.
A CONVERSATION FIRST
From an idea
to an informed next step.
You don’t need to have every answer before you reach out.
- 01
Tell Joe about the property.
Start with the location, whether you’re buying or refinancing, and what you hope to accomplish.
- 02
Talk through the options.
Discuss the loan structure, property details and documentation needed for a closer look.
- 03
Choose your next step.
Review the information before deciding whether to move forward with an application.
Loan Availability
Availability varies by property location and program.
We do not offer business-purpose financing in:
- Arizona
- Idaho
- Minnesota
- North Dakota
- Nevada
- Oregon
- Puerto Rico
- Utah
- Vermont
California loans
Falcon Investment and Loans Inc.
California DRE #01908254 | NMLS #863069
Real estate broker, California Department of Real Estate.
Joseph John Criscione Jr. (Joe Criscione), Broker
California DRE #01306089 | NMLS #288378
BEFORE WE TALK
Good questions.
Clear starting points.
What is a DSCR loan?
A DSCR loan is a type of investment-property financing that considers rental income in relation to the property’s debt payments and certain housing costs. Other property and borrower requirements still apply. Program details vary by lender.
Can we discuss both a purchase and a refinance?
Yes. Reach out to Joe about a rental-property purchase or an existing investment property you’re considering refinancing. Available options depend on the property, your circumstances and lender requirements.
What should I have ready for a first conversation?
The property’s city and state, whether you’re buying or refinancing, and a general sense of your goals are a useful starting point. Don’t send Social Security numbers, bank statements or other sensitive documents by ordinary email.
Is financing available in my state?
Availability varies by property location and program. We do not offer business-purpose financing in the excluded locations listed above. Contact Joe to discuss your property’s location and the requirements that apply.
MEET JOE CRISCIONE
Experience. Personal attention.
President and Broker · Falcon Investment and Loans Inc.
Joe Criscione brings 26 years of mortgage-industry experience to his role as President and Broker of Falcon Investment and Loans Inc. Falcon operates as a mortgage broker and correspondent lender.
His experience includes rental-property investor financing, DSCR loans and private lending. Joe works directly with borrowers to understand their property and financing goals, explain available options, and help them navigate the loan process.
Joseph John Criscione Jr. (Joe Criscione), Broker
California DRE #01306089 · NMLS #288378
26years in the
mortgage industry
mortgage industry
Rental-property financing
DSCR loans
Private lending
LET’S TALK ABOUT YOUR PROPERTY
Your next move
starts here.
Start with a few details about the property and what you have in mind.
PREFER A DIRECT CONVERSATION?
Joseph John Criscione Jr. (Joe Criscione), Broker
California DRE #01306089 · NMLS #288378
Office
1801 Park Court Pl, Unit I-103
Santa Ana, CA 92701
Email and phone links open your own apps. Nothing is sent automatically.
QUOTE REQUEST
Tell Joe about your property.
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