Why BiggerPockets?
BiggerPockets is the largest real estate investor community online — over 3 million members, heavily skewed toward landlords, BRRRR investors, and new acquisitions. These are your exact DSCR borrowers. The platform rewards genuine expertise over advertising.
This plan gets your profile live, builds early credibility through forum engagement, and positions you as the go-to DSCR/non-QM lender for the KC market and Missouri investors — in 3 days.
Profile Bio Template
Write in first person. Keep it under 300 words. Lead with investor empathy, not credentials.
I help real estate investors qualify for loans the traditional banks won't touch.
Whether you're building a rental portfolio, executing a BRRRR on a 12-unit, or refinancing a property that's already cash-flowing — I specialize in DSCR loans, non-QM products, and investor-specific financing that looks at the deal, not your tax returns.
Before I got into lending, I spent years in institutional finance. I worked at Colony Asset Management — part of Colony Capital — alongside the team that was acquiring distressed loan portfolios directly from the FDIC out of failed bank receiverships post-2008. I sat in the credit committee presentations where institutional capital decided which portfolios to bid on, what the collateral was worth, and what recovery looked like. That experience changed how I underwrite. I look at deals the way institutional money does.
I'm licensed in California and Missouri, and I work with investors who are done losing deals because their income looks complicated on paper.
If you're running numbers on a rental, thinking about a DSCR refi, or want to understand how to structure a BRRRR exit — let's talk.
📍 Serving CA and MO investors. KC-area note: I'm licensed in Missouri only — not Kansas.
Forum Signature (NMLS Compliant)
Add this to your BiggerPockets profile signature. Keeps every post compliant.
Jermaine Fields | Mortgage Loan Originator
NMLS #2067609 | Licensed in CA & MO
Brokered by NEXA Lending | Equal Housing Lender
Specializing in DSCR Loans | Non-QM | Investor Financing
📧 jfields@nexalending.com
🌐 jermainefieldsloans.com
⚠️ KC/KS Note: Licensed in Missouri only — not Kansas.
Forums to Follow on Day 1
Subscribe to these sections to surface leads and engagement opportunities immediately.
- Creative Real Estate Investing
- Real Estate Financing
- Buy & Hold Real Estate
- BRRRR (Buy, Rehab, Rent, Refinance, Repeat)
- Multifamily & Apartment Investing
- Real Estate Deal Analysis
- Kansas City, MO Local Forum
- California Local Forum
Day 1 Checklist
- Complete profile bio (use template above)
- Upload professional headshot
- Add Forum Signature with NMLS disclosure
- Follow all 8 forums listed above
- Identify 3–5 active threads to reply to tomorrow
- Bookmark the BRRRR and Financing forums
The 3-Part Response Formula
Every reply you write should follow this structure. Never lead with "I'm a lender" — lead with value.
Thread Type 1 — DSCR / Financing Question
"Can I get a mortgage if I'm self-employed and my taxes show low income?"
Your Response:
This is one of the most common sticking points for investors, and it trips people up because the lending world has two very different tracks — one for owner-occupied, one for investment property.
For investment property, the question isn't your personal income at all. DSCR loans (Debt Service Coverage Ratio) qualify you purely on the property's cash flow. The lender looks at: does the rental income cover the mortgage payment? If your DSCR is 1.0 or higher, you're in business — no W-2, no tax returns, no income verification required.
The trade-off: you'll need 20–25% down, and rates run a bit higher than conventional. But for investors who reinvest profits and write off everything legally, it's often the cleanest path to scale.
Happy to run through how it would work on a specific deal if you want to share numbers.
Thread Type 2 — BRRRR Strategy
"How do I refinance out of a hard money loan after a BRRRR?"
Your Response:
The exit from hard money is where a lot of people get caught — great question to think through before you're in it.
The cleanest path is a bridge-to-DSCR refinance. Here's the sequence:
1. Close and rehab with hard money
2. Get the property rented (most DSCR lenders want 1–3 months of rent history)
3. Refinance into a DSCR loan — this is based on the new appraised value and rent coverage, not your income
What matters most is your ARV (after-repair value) vs. loan amount. If you bought right and rehabbed to a strong ARV, you should be able to cash out enough to cover the down payment on your next deal — which is the whole BRRRR point.
Timing matters too — most lenders have seasoning requirements (3–6 months post-purchase). Plan your refi timeline before you even close.
If you share your numbers I can tell you what DSCR would likely look like on that property.
Thread Type 3 — Market Question (Missouri)
"Anyone investing in Kansas City? What's the lending landscape like?"
Your Response:
KC is interesting right now — the Missouri side still has solid price-to-rent ratios compared to most metros, which makes DSCR math work on deals that would be borderline in CA or TX.
One thing to know: the KC metro straddles the state line, and licensing matters. A lot of brokers operate on both sides, but make sure your lender is actually licensed in the state where your property is. Missouri and Kansas are separate states with separate licensing. I'm licensed in Missouri — not Kansas, so I always flag that upfront for anyone in Overland Park or Leawood.
On the lending side: DSCR loans are very active in MO right now. SFR to small multifamily, 20–25% down, qualifying on rent coverage. If you're looking at a specific deal, happy to share what the financing picture might look like.
Thread Type 4 — Beginner / Education
"What's the difference between a conventional loan and a DSCR loan?"
Your Response:
Great question — they're designed for completely different borrowers.
Conventional loan: Requires your personal income (W-2 or tax returns), debt-to-income ratio, and credit score. Designed primarily for owner-occupied homes, though you can use them for investment with 15–25% down. Fannie/Freddie backed.
DSCR loan: No personal income verification. Qualifies based on the property's gross rental income vs. the monthly mortgage payment (PITI). DSCR of 1.0 means rent = payment. Lenders typically want 1.0 minimum, prefer 1.2+. These are Non-QM products — portfolio loans, not sold to Fannie/Freddie.
For investors who are scaling or self-employed: DSCR lets you keep your personal DTI clean for future primary purchases while building the rental portfolio without income limitations.
The downside is price — DSCR rates run 0.5–1.5% higher depending on LTV and DSCR coverage. Worth it for the flexibility if the deal pencils.
Thread Type 5 — Deal Analysis Help
"Is this deal a good investment? Numbers inside."
Your Response:
I'll take a look from the financing side — that's where a lot of "good deals" get derailed.
For DSCR, I'd need: purchase price, expected rent, and which market/state. From that I can calculate rough DSCR coverage and give you a realistic rate range.
Quick check: take your monthly rent divided by (estimated mortgage + taxes + insurance). If that number is above 1.0, the property qualifies on cash flow. Above 1.25 is ideal.
Share your numbers and I can give you a real picture of what financing would look like and whether it changes your ROI calc.
Day 2 Checklist
- Find 5 active threads in your followed forums
- Post 5 replies using the Validate → Educate → Open Door formula
- Don't link to your website in replies — let the profile do the work
- Never say "DM me" in a public reply (looks spammy) — invite further questions in the thread
- Upvote other helpful replies to build goodwill
- Draft your Day 3 original posts tonight (outlines below)