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David Ord, licensed mortgage loan originator with Supreme Lending, specializes in helping California and North Carolina homebuyers and real estate investors get pre-approved for FHA, VA, conventional, jumbo, DSCR investment loans, and refinancing with competitive rates and personalized service.

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David Ord - Licensed Mortgage Loan Originator | Supreme Lending

NMLS licensed mortgage professional serving California & North Carolina homebuyers. Get pre-approved today with transparent mortgage solutions, competitive rates, and expert guidance from application to closing.

Free Mortgage Calculator - Get Pre-Approved in California & North Carolina

Calculate your monthly mortgage payment for homes in California and North Carolina. Our free calculator estimates principal, interest, property taxes, homeowners insurance, HOA fees, and PMI to help you get pre-approved with confidence.

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Instant updates as you type
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Includes taxes, insurance, HOA, PMI
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Supports 10–30 year terms

Mortgage Calculator

Disclaimer: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Supreme Lending is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Supreme Lending does not guarantee any of the information obtained by this calculator.

Estimated monthly payment

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Principal & Interest
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Property Tax
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Insurance
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HOA
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PMI
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Extra Principal
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Estimates only. Not a commitment to lend.

Home Affordability Calculator

Determine how much house you can afford based on your income, debts, and down payment. This calculator uses the 28/36 debt-to-income ratio guidelines commonly used by lenders.

✓28% housing ratio calculation
✓36% total debt ratio calculation
✓Includes taxes, insurance, PMI

Affordability Calculator

Disclaimer: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Supreme Lending is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Supreme Lending does not guarantee any of the information obtained by this calculator.

Maximum home price you can afford

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Max Monthly Payment
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Based on Income
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With Current Debts
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Loan Amount
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Based on 28/36 rule. Estimates only.

DSCR Calculator for Investment Properties

Calculate your Debt Service Coverage Ratio (DSCR) to determine if your investment property qualifies for financing. DSCR loans are ideal for real estate investors because they qualify based on property cash flow rather than personal income.

What is DSCR?

DSCR (Debt Service Coverage Ratio) measures whether a rental property generates enough income to cover its mortgage payment and expenses. The formula is:

DSCR = Net Operating Income ÷ Total Debt Service

Example: If your property generates $2,500/month in rental income with $500 in expenses and a $1,600 mortgage payment, your DSCR is 1.25 — meaning the property generates 25% more income than needed to cover the debt.

DSCR Qualification Guidelines

✓ DSCR ≥ 1.25: Strong cash flow — most lenders' preferred minimum
✓ DSCR 1.0–1.24: Break-even to positive — many lenders accept
• DSCR 0.75–0.99: Negative cash flow — limited lender options
✗ DSCR < 0.75: Significant negative cash flow — typically doesn't qualify

Benefits of DSCR Loans

  • No income verification: Qualify based on property cash flow, not personal income or tax returns
  • Perfect for investors: Ideal for self-employed investors or those with complex tax situations
  • Multiple properties: Easier to finance multiple investment properties simultaneously
  • Quick closing: Streamlined documentation process speeds up approval and closing
  • Flexible terms: 30-year fixed rates available with competitive pricing
Note: DSCR loans typically require 20-25% down payment for investment properties. Rates may be slightly higher than owner-occupied loans. Contact David Ord for specific DSCR loan terms and qualification requirements.

DSCR Calculator

Disclaimer: Results from this calculator are estimates only and accuracy is not guaranteed. Supreme Lending is not responsible for any errors or omissions. This calculator does not pre-qualify you for any loan program. Actual DSCR loan qualification requires additional documentation and underwriting. Interest rates, fees, and terms are subject to change without notice.

Your DSCR Ratio

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Net Operating Income
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Monthly Debt Service
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Monthly Cash Flow
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NOI = Rental Income - Operating Expenses

Get Pre-Approved: FHA, VA, Conventional, Jumbo & DSCR Investment Loans

David Ord at Supreme Lending offers comprehensive pre-approval services for first-time homebuyers, move-up buyers, real estate investors, and refinancing throughout California and North Carolina.

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Conventional Loans California & North Carolina

Flexible conventional mortgages with competitive rates and PMI strategies for California and North Carolina homebuyers.

  • 3–5% down payment options
  • Rate/term or cash-out refinancing
  • Fixed rate & ARM mortgages
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FHA & Veteran Administration (VA) Loans*

Government-backed FHA and VA loans with low down payments for California and North Carolina veterans and first-time buyers.

  • FHA loans with 3.5% down
  • 0% down VA loans for veterans
  • Streamline refinance options
*Must be Veterans, Active Duty Personnel, Reservist, National Guard and some surviving spouses. VA funding fee will apply. VA funding fee can vary based on usage.
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Jumbo Loans

High-balance jumbo mortgages for luxury homes in California and North Carolina with competitive rates.

  • 10–20% down payment tiers
  • Bank-statement loan options
  • Interest-only payments available
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Mortgage Refinancing*

Lower your mortgage rate or change loan terms with our streamlined refinancing process.

  • Rate & term refinancing
  • FHA/VA streamline options
  • No cash-out refinances
Get refinance quote →
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.
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Cash-Out Refinance* Loans

Access your home's equity for home improvements, debt consolidation, or investments.

  • Up to 80% loan-to-value
  • Competitive interest rates
  • Fast loan processing
Learn about cash-out →
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.
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DSCR Investment Property Loans

Debt Service Coverage Ratio loans for real estate investors - qualify based on rental income, not personal income.

  • No income verification required
  • For 1-4 unit investment properties
  • Interest-only options available
Try DSCR Calculator →Get DSCR quote →

Simple 4-Step Mortgage Process

Our streamlined home loan process ensures fast pre-approval and on-time closings for California and North Carolina homebuyers.

1

Connect

Tell us your goals and budget.

2

Get Pre-Approved

Know your price range with confidence.

3

Offer & Underwrite

We manage timelines and paperwork.

4

Close

Sign and get the keys!

About David Ord - Licensed Mortgage Loan Originator

I am a Mortgage Loan Originator working for Supreme Lending. Please give me the opportunity to discuss your mortgage needs.

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Contact David Ord - Get Pre-Approved Today | Supreme Lending

Ready to get pre-approved for your dream home? Contact David Ord, licensed mortgage loan originator serving California and North Carolina with expert mortgage guidance and competitive rates.

Contact Information

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Service Area

California & North Carolina

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Phone

(661) 645-1601

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(661) 645-1601