Premier Mortgage Advisors, LLC
PMA Investor Advisor

Know whether the deal works before you waste time.

This is not a homebuyer conversation with Osmail Marey. We review DSCR, leverage, reserves, payment impact, and lender fit so you can decide faster.

Screen the deal well first. Go deeper only if it fits.

What we look at first
DSCR
Initial fit

So you do not burn time on dead paths.

Leverage
Likely range

How aggressive the structure looks by program and profile.

Reserves
Early expectation

Guardrails before they surprise you late.

Osmail Marey
YOUR CONTACT
Osmail Marey
Mortgage Broker & Operation Manager • NMLS 1418975

The focus is scenario, DSCR, leverage, and execution. Not a homebuyer conversation.

INVESTOR SCENARIO PACK

What you get

A faster, more useful filter than a generic retail calculator.

DSCR read

An early view of deal fit without forcing a full application too soon.

Leverage range

How strong the structure looks and where it may need adjustment.

Payment impact

A preliminary number that helps you think about cash flow, not just rate.

Lender paths

Two or three logical routes to pursue if the deal holds up.

REVIEWS

Proof before you move forward with Osmail Marey

Real reviews placed before asking the visitor for more commitment.

Google
I had an excellent experience working with my lender throughout my mortgage process. He is extremely professional, knowledgeable, and dedicated. From the beginning, he guided me step-by-step, answered all my questions clearly, and made everything easy to understand. His communication was outstanding, and I always felt supported and informed. Thanks to his expertise and patience, the entire process went smoothly. I highly recommend him to anyone looking for a reliable and professional lender. Truly exceptional service!
Rodolfo Salgado12/17/2025

How it works

1
Share the basics

Property type, expected rent, value, loan amount, and timeline.

2
We review the scenario

DSCR, leverage, reserves, and likely program fit.

3
You get a route

Proceed, adjust, or kill the deal before you waste more time.

SCENARIO PACK

Five inputs that speed up the deal screen

The point is to screen the deal fast and only go deeper if it fits.

Property type
Expected rent
Purchase or refi value
Loan amount
Timeline

Common objections

I do not want to fill out a full application yet

Good. Start by screening the deal.

I need to know whether DSCR will work

That is one of the first validations we do.

I do not want surprises on reserves or leverage

That is why those guardrails show up early.

WHOLESALE

Lender options behind the process

More options help when the scenario calls for something less generic.

UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
Button Financial
PennyMac
Velocity
Figure
HomeXpress
Orion Lending
Rocket Pro
UWM
TLS (The Loan Store)
Windsor
Newrez
Lendz
Deephaven
Cake
COVERAGE

Coverage and referrals

Florida and Texas remain licensed. PMA can also support other states through partner referrals when the scenario allows it.

PMAfin — Licensed States + Nationwide Investment/Non‑QMTexas and Florida highlighted in gold as licensed states. Other states shown in translucent navy for investment and Non‑QM footprint. AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWA WI WV WY PMAfin.com

Florida and Texas mean direct PMA licensing and local presence. In every other state, PMA can still help with primary-home purchase, refinance, and investment scenarios through our partner referral network.

Review the deal before the app.

This page no longer sends investor traffic into a homebuyer calculator. It moves them into the right scenario.

Informational only. Not a commitment to lend. All scenarios depend on property details, documentation, verification, underwriting, program guidelines, and lender approval.

Get My Investor Scenario Pack

This page no longer sends investor traffic into a homebuyer calculator. It moves them into the right scenario.

Introduction call
15 minutes to understand your goal, your timing, and the next step.
Prequalification
60 minutes to review numbers, documents, and build a clear path to pre-approval.
Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: Start with the call that best matches where you are today.