RTP Corridor Investors · SAS Campus · Corporate Rental Market
SAS Institute, Bandwidth, and the RTP tech corridor generate consistent corporate relocation demand in Cary. DSCR loans let investors qualify on what the property earns — not their personal income.
10K+
SAS Institute employees — largest Cary employer and major rental demand driver
0
W-2, tax returns, or personal income required with DSCR qualification
1.0
Minimum DSCR — if rent covers the mortgage, qualification is possible
CARY MARKET
Cary's corporate rental market is driven by SAS Institute, Bandwidth, Citrix, and the wave of tech and biotech companies near RTP. These employers generate consistent demand for quality long-term rentals from highly-paid professionals. DSCR loans let you capture that demand without running your personal income through the application.
HOW IT WORKS
Qualify on rental income only
DSCR underwriting uses the property's gross rental income versus its full mortgage payment. Your personal income, W-2, and tax returns are not part of the calculation.
LLC and trust ownership accepted
Many Cary investors prefer entity ownership for liability protection. Jeff structures DSCR loans for LLC buyers without requiring you to take personal title.
Long-term and short-term rental income
Both long-term lease agreements and short-term rental platforms (Airbnb, corporate housing) are acceptable income sources for DSCR qualification in Cary.
YOUR LENDER
RTP market knowledge
Jeff knows the Cary rental pockets where DSCR math works well — near SAS, Bandwidth, and the corporate-housing demand zone around 1-40.
In-house DSCR decisions
Rental income documentation requires interpretation. Jeff makes those calls in-house as Branch Manager — no underwriter in another state guessing at Cary comps.
Portfolio-ready structures
Investors building a Cary portfolio need clean loan structures for the next deal. Jeff keeps scalability in mind from the first transaction.
COMMON QUESTIONS
Cary's technology employer base — SAS Institute, Bandwidth, Citrix, and dozens of RTP companies — generates consistent demand for high-quality long-term rentals from professional tenants. This stable demand profile makes Cary DSCR properties underwriting-friendly, as income is demonstrable and not highly seasonal.
Yes. Corporate housing agreements (furnished rentals to companies for employee housing) are acceptable income documentation for DSCR loans in Cary. These agreements often support higher gross rents than standard residential leases — strengthening DSCR ratios. Jeff has worked with Cary investors using corporate housing structures.
DSCR loans do not have the same 10-property cap that conventional investment loans carry. Investors can scale a Cary portfolio using DSCR financing without triggering agency limits. Jeff structures each deal to keep your portfolio scalable for the next acquisition.
DSCR rates are typically 0.5%–1.5% above conventional investment property rates, reflecting the non-traditional income documentation. The exact rate depends on your DSCR ratio, credit score, LTV, and property type. Jeff provides a custom DSCR quote specific to your Cary investment scenario.
Cary, NC — DSCR Investment Loan
Jeff Williams is a Branch Manager at Premier Lending in Durham, NC — serving Cary and the Triangle for 29 years. NMLS #79479.
