About
Arin Baghermian is the Broker Owner of DSCR Capital Partners (brokered by United Trust Mortgage, NMLS #2591548). With over 10 years in financial services and a focus on non-QM and investment property lending, Arin has led DSCR, foreign national, ITIN, and California jumbo bridge files for real estate investors across all 50 states.
In addition to running DSCR Capital Partners, Arin leads Learning & Development for a top US wholesale mortgage company — training loan officers and underwriters on the non-QM product set across the industry.
Areas of Expertise
- DSCR investment property financing — long-term rental, 30-year fixed and ARM, interest-only options
- Foreign national and ITIN lending — non-US citizen and ITIN-only borrowers buying US rental property
- California jumbo bridge loans — $1M–$20M 12-month interest-only bridge financing for high-balance California real estate
- Short-term rental (Airbnb) DSCR — AirDNA-based underwriting for vacation, cabin, and corporate housing properties
- Portfolio & blanket loans — 5+ property rolled financings for scaled investors
- 5+ unit small multifamily DSCR — properties beyond the conventional 1-4 unit residential cap
- No-ratio DSCR programs — appreciation-market properties where rent doesn't pencil to 1.0 by standard math
Track Record
What this looks like in funded volume across DSCR Capital Partners and prior roles:
Recent Articles & Guides
Arin authors or oversees the editorial content at DSCR Capital Partners. A selection of recent guides:
- DSCR Loan Closing Costs: Every Fee on Your Loan Estimate (2026)
- 2026 DSCR Loan Requirements: Complete Qualification Guide
- DSCR Credit Score Matrix: What Your FICO Buys
- DSCR Loan Down Payment: How Much Do You Really Need?
- DSCR Loan Reserves: How Many Months You Need
- DSCR LTV Limits: Every Maximum by Scenario
- No-Ratio DSCR Loan: When DSCR Doesn't Need to Pencil
- DSCR Loans for Canadian Investors: Buy US Rentals in 2026
Education & Credentials
- Licensed Mortgage Loan Originator — NMLS #1220456 (issued, in good standing)
- Company NMLS — #2591548 (UTM Financial, LLC dba United Trust Mortgage)
- Active state licenses — California (primary), with additional state authorities via the brokered wholesale relationship
- Learning & Development leadership — oversees ongoing LO and underwriter training programs at a top US wholesale mortgage company
- Continuing education — NMLS-required annual CE plus ongoing industry conferences (CMA, NAMB, AAPL, IMN)
Approach & Philosophy
Most DSCR borrowers are surprised at how much pricing varies across wholesale lenders — sometimes by a full percent on the same file. The wholesale-broker model exists for exactly this reason: one file, multiple investor quotes, route to whichever pricing wins. Arin built DSCR Capital Partners around this thesis.
The other side is service. Investment property borrowers tend to be experienced, busy, and short on patience for call-center handoffs. Every file at DSCR Capital Partners works through a single loan officer end-to-end — direct cell phone, direct email, direct accountability.
Equal Housing Lender. Loans for business purposes only (investment property — not subject to TILA/RESPA consumer mortgage disclosures).
Get In Touch
The fastest way to get a quote or ask a question is the 30-second eligibility form on the homepage — we'll respond same business day. For more complex scenarios (jumbo, foreign national, multi-property portfolio), feel free to call directly.