Episode Summary:
In this conversation, Craig and Jack discuss the intricacies of DSCR loans, the challenges faced by investors, and the innovative solutions being implemented at Dominion to streamline the loan process. They highlight the importance of cash flow in real estate investing and how AI technology is transforming underwriting and customer experience, ultimately leading to faster loan closures.
Episode Overview
In this Real Investor Radio episode, Craig and Jack BeVier break down the realities of DSCR lending today. As long-time real estate investors and lenders, they understand both sides of the transaction. Above all, they recognize that time is money, especially when cash flow depends on refinancing or stabilizing a rental property.
While DSCR loans simplified underwriting compared to traditional banks, friction still exists. Appraisals, document collection, and edge-case properties can slow momentum. As a result, borrowers often feel frustrated when timelines stretch longer than expected.
Why DSCR Loans Still Cause Delays
Historically, bank refinances took 90 to 120 days, which strained investor operations. Consequently, the introduction of DSCR loans felt like a breakthrough. Underwriting focused on property income rather than personal tax returns, which sped things up dramatically.
However, not every deal fits neatly into standard guidelines. For example, rural properties, non-warrantable condos, or complex entity structures require exceptions. Although this may be true, lenders must still satisfy securitization requirements. Therefore, delays often appear late in the process, which creates the most pain for borrowers.
How Dominion Is Rebuilding the Process
To address these challenges, Dominion invested heavily in AI-driven underwriting. Instead of reviewing documents days later, the system analyzes them immediately upon upload. As a result, potential issues surface within minutes rather than weeks.
If a loan needs to pivot to another program, the technology re-evaluates the entire file instantly. In other words, borrowers receive a confident yes or no early. This approach eliminates the worst-case scenario: discovering a problem three weeks into the loan.
A Faster, Simpler Borrower Experience
Beyond underwriting, Dominion also redesigned the borrower interface. Property addresses auto-fill with tax, square footage, and market data. Likewise, pricing compares multiple DSCR programs at once. Accordingly, investors can see which options they qualify for and at what leverage.
Everything happens inside one system. Documents upload easily, signatures stay centralized, and feedback arrives in real time. All things considered, the process now fits how investors actually work—often late at night, during their only free moments.
Fast DSCR Loans Are No Longer a Promise
With these tools in place, Dominion now delivers fast DSCR loans with consistency. Provided borrowers submit documents promptly, loans can move from quote to closing at record speed. In fact, DSCR loans closing in 10 days are already happening today.
In conclusion, this episode makes one point clear. By combining experience, technology, and investor-first design, Dominion has removed much of the guesswork from DSCR lending. The result is a faster, clearer, and far more predictable path to closing.
