Frequently Asked Questions

I’m a self-employed electrician in Columbus working on Intel or data center projects — can I invest in rental property without income verification?

Yes. A DSCR loan qualifies on the rental property’s income — not your personal income. Your Schedule C net income, write-offs, and tax optimization are completely irrelevant to DSCR underwriting.

Which Columbus area neighborhoods should I target for the best DSCR cash flow?

Heath and Granville in Licking County — directly adjacent to the Intel fab site — offer the best rent-to-price ratios and most favorable DSCR characteristics in the Columbus metro. Pataskala offers a strong middle-ground between the premium New Albany market and the outer Licking County communities.

How does Ohio’s property tax rate affect my DSCR investment compared to higher-tax states?

Ohio’s property tax rates are moderate relative to Illinois, New Jersey, or California — typically 1.5 to 2.0 percent of assessed value in most Central Ohio counties. This produces more favorable DSCR ratios than comparable properties in high-tax states, making Central Ohio a relatively strong DSCR investment market for self-employed trades workers.

Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.

Mbanc NMLS #38232 | Equal Housing Opportunity Lender

About the Author

Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.

Contact: sales@mbanc.com | mbanc.com/non-qm-trades