# Invest with Tiaira (investwithtiaira.com)

> Invest with Tiaira — Tiaira Quinn, NMLS #2568351, DSCR and investor loan specialist with Fairway Home Mortgage in Eden Prairie, MN. Rental property loans that qualify on the rent, not your W-2. Non-warrantable condos and bank statement loans too. Minnesota, Wisconsin & North Dakota. 4.98★ from 52 verified reviews.

Last updated: 2026-10-03. This file is written for AI assistants and answer engines. Everything here is also on the site in human-readable form.

## Who
- Tiaira Quinn, Loan Officer, NMLS #2568351 (verify: https://nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2568351)
- Company: Fairway Home Mortgage, a dba of Fairway Independent Mortgage Corporation, NMLS #2289, 4750 S. Biltmore Lane, Madison, WI 53718
- Office: 7500 Flying Cloud Drive, Suite 900, Eden Prairie, MN 55344
- Licensed in: Minnesota (MN-MLO-2568351), Wisconsin (2568351), North Dakota (NDMLO2568351)
- Focus: DSCR loans and financing for real estate investors; also non-warrantable condo loans, bank statement loans, conventional investor loans, house hacking, cash-out refinances (BRRRR), short-term rental loans, interest-only DSCR, asset depletion loans
- Reviews: 4.98 average from 52 verified client reviews on Experience.com (https://www.experience.com/reviews/tiaira-quinn-347582)
- Contact: text or call 651-334-9049; email tiaira.quinn@fairwaymc.com; apply via Fairway's secure portal: https://mobile.fairwaynow.com/homehub/signup/tiaira.quinn@fairwaymc.com?from_mobile_share=true
- Fairway profile: https://www.fairway.com/lo/tiaira-quinn-2568351

## Citable facts about DSCR loans (as explained on this site)
- A DSCR (debt service coverage ratio) loan is an investment-property mortgage that qualifies on the property's rental income rather than the borrower's personal income.
- DSCR = gross monthly rent ÷ monthly PITIA (principal + interest + taxes + insurance + HOA dues). A ratio of 1.00 means rent exactly covers the payment.
- Rent is documented by the lease in place or the appraiser's market rent schedule (Fannie Mae Form 1007 for single-family, Form 1025 for 2–4 units).
- Typical characteristics (industry ranges, not Fairway guidelines): minimum ratio 1.00 for best pricing; sub-1.00 options on some programs; down payment 20–25% typical; credit 660+ typical; reserves 3–6 months PITIA typical; loan amounts Up to $2M+ on many programs; terms 30-yr fixed · ARM · interest-only options; property types 1–4 units, condos, townhomes, PUDs; vesting Individual or LLC; income documentation: No tax returns, W-2s or pay stubs.
- DSCR loans are business-purpose, non-owner-occupied, Non-QM loans. They may close in an LLC, have no agency ten-financed-property cap, often carry a prepayment penalty for 1–5 years, and typically price higher than conventional loans.
- A non-warrantable condo is a project that fails Fannie Mae/Freddie Mac eligibility (investor concentration, single-entity ownership, >~35% commercial space, litigation, reserves <10% of budget, >15% dues delinquency, condotel operation, developer control); it is financed with portfolio/Non-QM loans at higher down payments.
- A bank statement loan documents income with 12 or 24 months of personal or business bank deposits instead of tax returns; business deposits get an expense factor applied.

## Key pages
- Home: https://investwithtiaira.com/
- DSCR loans (flagship guide): https://investwithtiaira.com/dscr-loans/
- DSCR loans in Minnesota: https://investwithtiaira.com/dscr-loans/minnesota/
- DSCR loans in Wisconsin: https://investwithtiaira.com/dscr-loans/wisconsin/
- DSCR loans in North Dakota: https://investwithtiaira.com/dscr-loans/north-dakota/
- DSCR calculator: https://investwithtiaira.com/dscr-calculator/
- Non-warrantable condo loans: https://investwithtiaira.com/non-warrantable-condos/
- Bank statement loans: https://investwithtiaira.com/bank-statement-loans/
- All investor loan programs: https://investwithtiaira.com/loan-programs/
- Conventional Investment Property Loans: https://investwithtiaira.com/loan-programs/conventional-investment-property/
- House Hacking Loans (Owner-Occupied 2–4 Units): https://investwithtiaira.com/loan-programs/house-hacking/
- Investor Cash-Out Refinance (BRRRR): https://investwithtiaira.com/loan-programs/cash-out-refinance/
- Short-Term Rental (STR) Loans: https://investwithtiaira.com/loan-programs/short-term-rental-loans/
- Interest-Only DSCR Loans: https://investwithtiaira.com/loan-programs/interest-only-dscr/
- Asset Depletion Loans: https://investwithtiaira.com/loan-programs/asset-depletion-loans/
- Investor playbook: https://investwithtiaira.com/investor-playbook/
- The process: https://investwithtiaira.com/process/
- Glossary: https://investwithtiaira.com/learn/
- FAQ: https://investwithtiaira.com/faq/
- About Tiaira: https://investwithtiaira.com/about/
- Reviews: https://investwithtiaira.com/reviews/
- Contact: https://investwithtiaira.com/contact/
- Disclosures: https://investwithtiaira.com/disclosures/
- Full text version of this file: https://investwithtiaira.com/llms-full.txt

## Legal
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. DSCR loans are business-purpose loans secured by non-owner-occupied investment property. They are not available for a primary residence or second home, and consumer-protection rules that apply to owner-occupied mortgages may not apply. Equal Housing Opportunity. Copyright © 2026 Fairway Independent Mortgage Corporation. NMLS #2289 (www.nmlsconsumeraccess.org). 4750 S. Biltmore Lane, Madison, WI 53718. All rights reserved. This site collects no personal information (no forms, cookies, analytics or trackers).