For Realtors
Your Investor Clients Deserve a Lender Who Speaks Their Language
Through our wholesale lender partners, we assist investors with DSCR and other business-purpose real estate financing in 36 states and Washington D.C., qualifying on rental income — not pay stubs. Licensing requirements vary by state and loan purpose. If you work with real estate investors, let's talk.
Why Partner With Encore
36-State Footprint
Your investor clients can buy anywhere we're licensed and you have one trusted lender to call.
No Income Verification
DSCR loans qualify on rental income, not W-2s or tax returns — ideal for self-employed investors.
Dedicated Broker
You work directly with Wynee, not a call center or rotating loan officer.
Transparent Process
We keep you and your client informed at every step.
Not Working With Investors? We've Got Your Buyers Covered Too.
While we assist real estate investors with DSCR and other business-purpose financing across 36 states and Washington D.C. through our wholesale lender partners, we're also a full-service Maryland mortgage broker for traditional homebuyers — including first-time buyers. If your clients are buying their first home in Maryland, here's what sets us apart:
Fast Pre-Approvals
We pull both FICO® and VantageScore® 4.0 — a scoring approach that gives your buyers more ways to qualify, often opening doors when they've been told no elsewhere.
Quick Clear-to-Close
We send the Closing Disclosure at initial underwrite, so once clear-to-close is issued, we're often ready to close within hours — not days.
Updated Pre-Approvals on Every Offer
As your client submits offers, we update their pre-approval letter with the exact property taxes and HOA fees for each home, strengthening every offer.
Whether your client is buying their first home or their tenth investment property, we're ready to help — reach out anytime.
What Is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's cash flow — not the borrower's personal income. There are no W-2s, tax returns, or pay stubs required, making them ideal for self-employed investors, portfolio builders, and anyone with non-traditional income.
Tools You Can Use With Your Clients
DSCR Calculator
Run the numbers on any investment property in seconds. Share the link directly with your client.
Open CalculatorWho We Work With
We work with Realtors who serve real estate investors — from first-time rental property buyers to seasoned portfolio builders. If your clients are looking at single-family rentals, small multifamily, or short-term rentals, we have programs that fit.
- Single-family rentals
- 2–4 unit properties
- Condos and townhomes
- Short-term rentals (Airbnb/VRBO)
- Small multifamily
How the Referral Process Works
You refer
Submit your client's name and contact info using the form below.
We connect
Wynee reaches out within one business day.
We qualify
Client runs their numbers and we review the deal together.
You close
Your client moves forward with financing, and you have a reliable lending partner for future deals.
Refer a Client or Start a Conversation
About Wynee
Wynee Bays has been a mortgage loan originator since 2005 and founded Encore Mortgage Solutions, Corp. in 2021. She previously co-founded and sold a mortgage company licensed in 18 states and Washington DC. As broker-owner, she handles deals personally — so you're always working with a decision-maker.
Company NMLS #2317038 · Wynee Bays NMLS #887778