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Marcus Hayes
Licensed · NMLS NMLS #512847

Marcus Hayes

Senior Loan Officer · Dallas, TX

5.0 · 3 reviews
VA LoansDSCRBank StatementVA ConstructionVA IRRRLFHA
340+
Loans closed
5.0
3 reviews
11 yrs
Licensed
28
Avg days to close

Who is Marcus Hayes?

Marcus Hayes is a licensed mortgage loan officer in Dallas, TX, specializing in VA Loans, DSCR, Bank Statement. NMLS #512847. Licensed in Texas, OK, AR, LA.

Licensed loan officer specializing in VA loans and DSCR investment financing in the Dallas-Fort Worth metro. 11 years originating. 340+ loans closed. I work directly with veterans using their VA benefit and real estate investors scaling rental portfolios without W-2 income. You get my direct number and a response the same day.

Programs

My Programs

Loan programs I originate.

DSCR Loan

A DSCR loan is an investor mortgage qualified by the rental property's cash flow relative to the loan's debt service, instead of the borrowe

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Bank Statement Loan

A bank statement loan is a mortgage for self-employed borrowers that qualifies income using business or personal bank statement deposits in

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FHA Loan

An FHA loan is a government-insured mortgage designed for first-time buyers and buyers with lower credit or smaller down payments. Mortgage

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Conventional Loan

A conventional loan is a mortgage offered by private lenders without government insurance. It is the right fit for buyers with steady docume

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Tools

My Calculators

Run real numbers for the programs I specialize in.

VA Purchase Calculator

The VA Purchase Calculator estimates your full monthly payment on a VA loan — principal, interest, taxes, insurance, and HOA — plus the VA funding fee, which varies by first-use, subsequent-use, or exempt status. Use it if you're a veteran, active-duty service member, or eligible surviving spouse comparing a $0-down VA loan to a conventional or FHA option.

VA funding fee status

Estimated monthly payment (PITI + HOA)

$3,853

Principal & interest
$3,228
Funding fee
$10,750
Funding fee rate
2.15%
Loan amount (financed)
$510,750
Tax + insurance
$625
HOA
$0

Ready to lock your VA rate?

Get pre-qualified in about 8 minutes — no credit pull.

Results are estimates for comparison only. Actual rates, fees, and payments depend on your credit, lender, and market conditions. Not a commitment to lend.

DSCR Calculator

The DSCR Calculator estimates a rental property's Debt Service Coverage Ratio — gross rental income minus vacancy and operating expenses, divided by the monthly mortgage payment. Lenders typically require DSCR ≥ 1.0 to qualify, and ≥ 1.25 for the best pricing. Use it if you're a real-estate investor financing a 1–4 unit rental and want to qualify on the property's cash flow instead of personal income.

DSCR (debt service coverage ratio)

0.95

Status
Below 1.0 — does not qualify
Monthly P&I
$2,360
NOI (annual)
$26,880
Cap rate
5.97%
Cash-on-cash return
-1.18%
Cash to close
$121,875
Total closing costs
$9,375
Loan amount
$337,500

Ready to pre-qualify for this investment property?

Get pre-qualified in about 8 minutes — no credit pull.

Results are estimates for comparison only. Actual rates, fees, and payments depend on your credit, lender, and market conditions. Not a commitment to lend.

Affordability Calculator

The Affordability Calculator estimates the highest home price you can finance, by loan program. It applies each program's specific DTI cap and mortgage-insurance or funding-fee rules so a Conventional, FHA, VA, USDA, and Jumbo estimate are directly comparable. Use it before house-hunting to set a realistic price ceiling — and to see which program stretches your budget furthest.

Loan program

Max DTI applied: 50%

Max home price — CONVENTIONAL

$486,997

Monthly payment
$3,750
Principal & interest
$2,899
Tax + insurance
$571
PMI
$279
Loan amount
$446,997
HOA
$0

Ready to get a real pre-qualification?

Get pre-qualified in about 8 minutes — no credit pull.

Results are estimates for comparison only. Actual rates, fees, and payments depend on your credit, lender, and market conditions. Not a commitment to lend.

Library

Local Resources

Articles I recommend for borrowers in my market.

Investors and Non-QM9 min

How Real Estate Investors Use DSCR Loans to Scale a Rental Portfolio Without W-2 Income

A DSCR loan qualifies an investor based on what a rental property earns, not what the investor earns personally. There are no W-2s, no tax returns, and no personal DTI calculation. Lenders divide the property's net operating income by the monthly debt payment to get the DSCR ratio. A ratio of 1.0 or higher typically qualifies. This makes DSCR the primary financing tool for real estate investors who are self-employed, have complex income, or have hit the 10-property limit on conventional financing.

Updated Jun 4, 2026Read guide
Discoverability

Why Marcus ranks in Dallas searches

Google search

Local program content on mortgagego.io ranks for "va loans loan officer dallas" searches

AI citations

ChatGPT and Perplexity cite ATOM-powered articles for local mortgage queries in Dallas

ATOM content

4 articles published under Marcus's name targeting Dallas programs and market

Network

Realtor Partners

Real estate professionals I work with in this market.

AT

Amanda Torres

Compass · Dallas

VA specialist

BN

Brian Nguyen

Keller Williams · Frisco

Investor deals

SM

Sarah Mitchell

Ebby Halliday · Plano

First-time buyers

Realtor partners receive automated status updates at every loan milestone. No "where's my deal?" calls.

Co-branded marketing only. Each professional is independently licensed.

Reviews

Borrower Reviews

“Marcus closed my VA loan in 26 days. Answered every question the same day. Best LO I have worked with in three purchases.”

— James R. · VA Purchase · Dallas TX

“Fifth investment property. Second one with Marcus. He structured the DSCR deal in 48 hours and never asked for a tax return.”

— Priya K. · DSCR Investment · Frisco TX

“Built custom with zero down. Marcus handled the VA single-close construction loan start to finish. Never felt lost once.”

— Darnell W. · VA Construction · McKinney TX

Process

How I Work

  1. 1

    Quick Intro Call

    15 minutes. Goals, timeline, what you're solving for.

  2. 2

    Real Pre-Qualification

    Pull credit, run program scenarios, give you a real number.

  3. 3

    Application + Docs

    Use the secure portal to upload everything once.

  4. 4

    Clear to Close

    I keep you updated weekly. No surprises at the closing table.

Get in touch

Contact Marcus

Ready to see real numbers for your scenario? Reach out directly or get pre-qualified online in minutes.

(214) 555-0147

marcus.hayes@mortgagego.io

Hours: Monday–Friday, 8am–7pm local · Saturday by appointment

Marcus Hayes, NMLS #512847. Operating through Encompass Lending Group, LP, NMLS #292897. Equal Housing Opportunity. Loan products subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice.