Joshua Trujillo

Josh Trujillo is coming to talk DSCR lending and if you’re not on the call, you’re going to hear about it from everyone who was. DSCR lending is quietly one of the most powerful tools in creative finance, core to Mary Method deals — and Josh is breaking it down live. 📅 Tuesday night. Mark it. Drop a 👑 in the comments if you’re in.

New comment May 20

Joshua Trujillo

8 likes • May 16

Looking forward to it! 👑

Adrian King

May 11 •

💬 General Chat

DSCR Loans

I have a potential client wanting to know if DSCR loans are available for RV parks. From my understanding I would think so but wanted to be sure.

New comment May 14

Joshua Trujillo

6 likes • May 13

DSCR are typically only for SFR 1-4 units, although SOME lenders will go up to ~10 units. From my experience, investors have had success financing RV Parks or MHPs using smaller local bank/credit unions or SBA loans.

Kirsten Martinez

May 12 •

❓ Questions

Mobile Homes

@Joshua Trujillo @Paul Brown do we know if our Morby HML or DSCR lenders will lend on mobile Homes/ manufactured homes? Is there a certain year?

New comment May 13

Joshua Trujillo

3 likes • May 13

@Paul Brown I’ve seen borrowers have success using local smaller banks/credit unions or using an SBA loan for MHP. For individual mobile/manufactured homes, I can typically do those but not for morby deals.

Paul Brown

Mar 8 •

❓ Questions

How deep is YOUR AI use right now? 👇

Hey skool friends! 🙌 AI is completely changing the game right now. Are you just pinging it with quick questions? Or going deeper—letting it write documents, code, do research, and help with the daily grind? Are you using AI agents to work for you 24/7? Drop it in the comments: What’s your current go to AI tool, and what are you planning in the next 1-3 months? Your take could light up someone else’s next level.

New comment Mar 24

Joshua Trujillo

4 likes • Mar 17

I'm using ChatGPT for more reasoning, logic and critique of my business/ideas. I started using Claude Cowork/Code in the last few weeks to build out more automations within my business and to build my website, create new dynamic submission forms, built a loan calculator and it helped me create a funnel page and DSCR guide I giveaway on my website. Any process that can be automated in my business will be automated!

Joshua Trujillo

3 likes • Mar 18

@Kathleen Miller Anything over 1.0 is good for most lenders. Some will go below, like down to 0.75 on a case-by-case basis, but the stronger the DSCR, the better the terms.

Joshua Trujillo

Mar 16 •

💬 General Chat

Quick Introduction 👋🏼

I’ve been around in the group for a bit and wanted to make a quick introduction. My name is Josh, and I’m a mortgage broker who focuses on DSCR loan products for real estate investors. I’m always happy to talk through scenarios, answer questions, and help people better understand how DSCR loans work and where they fit best. I also work with a lender that can handle deals involving seller carry in second position, so I’m always glad to look at more creative scenarios too. I’ve known Paul for a while, so I’m excited to be part of the group and get to know everyone else here as well. Looking forward to connecting with you all. Let's connect! 📲

New comment Mar 17