We screen the market against real lending criteria, surface only the homes that cashflow and would fund, and connect you with a licensed loan officer when one excites you. The tool is free; nothing is hidden behind a form.

Screen the market

We run the rent-vs-payment math on thousands of for-sale homes across Colorado, Oklahoma and Florida — automatically.

See only what pencils

You only ever see homes that cashflow and would fund — with the full math exposed, nothing hidden behind a form.

Talk to a real person

When a number excites you, we connect you to a licensed loan officer. No bots, no obligation.

Qualify on the rent, not your income

The property does the qualifying.

It's called a DSCR loan, and the math is simple: rent ÷ payment. If the rent covers the mortgage, taxes, and insurance, the deal funds — no W-2, pay stubs, or tax returns required.

No tax returns, no pay stubs

DSCR lenders don't ask for W-2s, employment history, or your personal income — what makes this possible before a long financial track record.

Rent ÷ payment ≥ 1.0

If the rent covers the mortgage, taxes, and insurance, the deal works. The house earns its own approval — no résumé required.

You bring a down payment

Plan on roughly 20–25% down plus closing. The calculator shows the exact cash on every deal, so there are no surprises.

Don't own a home yet?

Start by living in it.

There's a house-hack path for renters: lower-down, owner-occupied financing on a 2–4 unit. Live in one, rent the others, and let your tenants cover most of the payment while you build equity. A year in, you're a homeowner with rental income — and the DSCR door opens for property #2.

Down payment: as low as 5%
You occupy: 1 unit
Tenants cover: ~70% of payment
W-2 required: no

RUN YOUR OWN DEAL

Change a number. See the truth.

The same math we run on every listing before it's allowed in the catalog — try it on any property you're eyeing.

Where's the property?

What you'd pay for it

What it would rent for

Check Zillow or Rentometer for the area.

Monthly taxes

Monthly insurance

Monthly HOA

0 if none.

Credit score

Estimate is fine.

Estimates use current DSCR buy-box criteria and are not a commitment to lend. Real terms confirmed by a loan officer.

Pick the property's state to see if it funds.

Live in CO, OK & FL — other states join the waitlist.

The data, not the hype

Cashflow you can see.

We re-screen the market across Colorado, Oklahoma, and Florida every month. Here's what the cashflowing slice looks like right now — real medians, not a sales pitch.

1.34

Median DSCR

+$380

Avg. monthly cashflow

Cashflowing inventoryCO · OK · FL

JanMarMayJulSepNow

A real loan. Not a $19/mo course.

The internet is full of people selling a "system" to get rich in real estate. We're not that. Broker Buy Box is a free tool that screens real deals against real lending criteria and connects you with a licensed loan officer who can actually fund them — not a guru selling you a course.

Browse the rentals

No W-2

Qualifies on the rent

30 sec

To check a deal

1 biz day

To real loan terms

To use the tool

Questions first-time investors ask

I have no W-2 / no job history. Can I really get this?+

If you own (or recently owned) a home — yes, that's exactly what a DSCR loan is for. It qualifies on whether the property's rent covers the payment, not your personal income. No pay stubs, no tax returns. You need a down payment, decent credit, and to already be a homeowner — but you don't need to prove a salary.

I don't own a home yet. Can I still start?+

Yes — just not with a DSCR loan (lenders require you to already own a home). The proven first move is a house-hack: buy a 2–4 unit property with a regular consumer loan, as little as ~3.5–5% down, live in one unit, and rent the others.

What is DSCR, in plain English?+

Debt-Service-Coverage-Ratio. It's just rent ÷ payment. If a place rents for $2,000 and the full monthly payment is $1,700, the DSCR is about 1.18 — the rent covers the loan with room to spare. Most lenders want 1.0 or higher.

How much cash do I actually need?+

Usually around 20–25% of the price as a down payment, plus closing costs. The calculator shows the exact cash-to-close on every deal, so you know the number before you ever talk to anyone.

Do I need an LLC?+

Not to start. Many first-time buyers close in their own name; others set up an LLC. Your loan officer will walk you through what makes sense — it's a normal part of the process, not a barrier.

Is this a real loan or some get-rich-quick thing?+

A real loan, from a real lender, with real terms. There's no course to buy and no membership. The tool is free; we earn on the financing when you actually buy a property.

Your next rental is a scroll away.

Browse the pre-screened, cashflowing homes we'd fund — the full math is on every card.

Browse rentals