Finance your rentals on the property’s income, not your paperwork.
Justus Sharp and the NFM Lending team specialize in DSCR financing for real estate investors. Qualify on the cash flow of the property, scale your portfolio and keep moving on deals.
NMLS #436047
Investor financing built around the deal
Choose the program that matches your strategy, from long-term rentals and Airbnbs to mixed-use buildings and value-add flips.
DSCR Airbnb / STR
Financing for short-term rentals using the property's rental performance.
Learn more →Let the rental income do the qualifying
DSCR stands for debt service coverage ratio. Instead of leaning on personal income documentation, the lender looks at whether the property’s rent can cover its housing payment.
- Focus on the property’s cash flow rather than W-2s and tax returns
- Purchase and refinance options for investment properties
- Strategies for long-term, short-term and multi-unit rentals
- Keep adding properties without the usual income-documentation barriers
DSCR financing in Ohio, Florida & Tennessee
Justus Sharp is licensed in all three states, so you work with one lender-direct team whether your next property is in the Buckeye State, the Sunshine State or the Volunteer State.
Ohio
Home base. Justus and the team are based in Grove City and know Columbus-area and statewide rental markets.
Florida
Long-term rentals, vacation properties and short-term rentals across Florida's investor markets.
Tennessee
Growing investor demand from Nashville to Knoxville, including Airbnb and mid-term rental strategies.
A dedicated partner from application to closing
Justus Sharp has over 19 years of mortgage experience and has been recognized as a leader in the field. He lives in Grove City, Ohio and opened his own NFM Lending branch to serve the community he is proud to call home.
You get clear guidance, fast communication and a team that understands investors, with the backing of a nationally recognized lender.
From first call to funded deal
A straightforward path with no surprises.
1. Share your deal
Tell us about the property, purchase price or value, and expected rent.
2. We structure it
Justus reviews your numbers and matches you with the right program for your scenario.
3. Close with confidence
We guide you through appraisal, conditions and closing with clear communication throughout.
What clients say
Reviews from clients who worked with Justus and the NFM Lending team, as shared on Google.
I learned home buying can be very stressful, but NFM made the process easy to understand and was very responsive when I had questions.
Ready to scale your rental portfolio?
Tell us about the property and your goals. Justus and the team will help you find the right DSCR structure.