Questions are always welcome · Call or text 781-820-4249Licensed in MA, ME and NH
radius financial group inc.Mike McSharry
Investor Loans · NMLS #1960074
For real estate investors, new and seasoned

Buying an investment property?
Let’s figure it out together.

I’m Mike. I help investors understand DSCR loans, run honest numbers and decide what’s right for them. Even when the answer is “not yet.”

Start learningTry the calculator
No pressure, no hard sell. Just straight answers.
Mike McSharry, loan officer at radius financial group5.0 · 42 reviews“Mike was patient, diligent, and followed through in detail until closing.”Eduardo A., Google review
Wherever you are, start here

Every investor starts somewhere.

I’m curious about my first rentalLearn the basics before you spend a dollar.I own a few and want to growKeep building without your tax return holding you back.I’m looking at a vacation rentalHow short-term rental income can count.I have equity in a rentalWhether a cash-out makes sense, and when it doesn’t.
Is a DSCR loan right for me?

An honest look, both ways.

A DSCR loan qualifies you based on the property’s rent instead of your personal income. It’s a great tool for some investors and the wrong one for others.

It may be a good fit if…
You’re self-employed, or write off a lot on your taxesYou want to buy in an LLCYou already own rentals and want to keep growingThe rent comfortably covers the payment
Another loan may be better if…
–You plan to live in the home yourself–Your W-2 income qualifies easily for a conventional loan–The rent doesn’t cover the payment yet–You might sell within a couple of years
If that’s you, I’ll tell you, and help you find the better path.
What lenders look at
The property’s rentYour down paymentYour creditCash reserves
Every program is a little different. I’ll walk you through the exact numbers for your situation.
Run the numbers

See how a property pencils out.

Play with the numbers. DSCR is simply the rent divided by the full monthly payment. Above 1.0 means the rent covers it.

Mike McSharry, loan officer at radius financial groupA tip from Mike: run it with a little less rent than you expect. If it still works, you’ve got a cushion.
DSCR1.15
The rent covers the paymentThis could work. Let’s make sure the rest of the numbers hold up too.
Monthly payment$2,952
Cash flow / mo$448
Cash-on-cash4.3%
Ask Mike to double-check itIs DSCR right for me?

For illustration only. 30-year term. Cash flow is before repairs, vacancy and management. Cash-on-cash assumes about 3% closing costs. Not a commitment to lend. Your actual rate, payment and costs could be higher.

What clients say

Patient, responsive, and easy to work with.

5.042 reviews on Experience.com and GoogleRead them all →
★★★★★
“We had a complex case, and Mike was patient, diligent, and followed through in detail until closing. He was also realistic but encouraging throughout the process.”
Eduardo A.Google review
★★★★★
“Mike worked tirelessly to find a mortgage loan product that worked for us and our somewhat unique circumstances. He was patient and deeply knowledgeable throughout the entire process, as well as extremely responsive and flexible.”
Scott D.Medfield, MA · Experience.com
★★★★★
“Mike is fantastic to work with. Proactive, helpful, and knowledgeable. Mike will continue to be my go-to for future mortgage and refinance needs and I wouldn’t hesitate to refer family and friends to Mike.”
Eric N.Norwell, MA · Experience.com
★★★★★
“My experience was great! I was very nervous going into it because it was my first time buying a house, but Mike made it very easy to follow and understand.”
Riley S.Experience.com
★★★★★
“We are first time homebuyers and Mike was very informative, without being overwhelming, about the process. He was quick to respond and helped walk us through the intricacies of using a VA loan.”
Brian Q.Experience.com
★★★★★
“Mike McSharry provided top notch service from start to finish throughout the entire process of obtaining a mortgage. Mike answered all of our questions promptly and professionally.”
Stephen L.Experience.com
What to expect

No surprises. Here’s how it goes.

FirstWe talk it throughTell me about the property and your goals. A text is fine.
NextI send your numbersPayment, DSCR and cash to close, explained in plain English.
Week 1 to 2Appraisal and rent checkI keep you posted at every step, so you’re never guessing.
Last stepClosing daySign, fund and get to work on your new rental.
What you’ll want handyPhoto ID · Purchase contract · Recent bank statements · Leases or a rent estimate · LLC documents, if using one · Insurance quoteUsually no tax returns or pay stubs.
Text me anytime at 781-820-4249. I’ll get back to you quickly, usually the same day.
Learn at your own pace

Short reads for curious investors.

Plain-English answers to the questions people ask me every week. Each one takes about two minutes.

An investor reviewing a property’s numbers over coffeeBasics · 2 min read

What is a DSCR loan?

Read the article →
A couple laughing while reviewing a property listingNumbers · 2 minWhat DSCR do lenders like to see?A couple going over a property listing at their kitchen tableStrategy · 2 minYour name or an LLC? Questions to ask firstA family walking outside the radius officeVacation rentals · 2 minCan Airbnb income help you qualify?A–ZReferenceInvestor glossary: the terms, in plain English
Mike McSharry, loan officer at radius financial group
About Mike

Hi, I’m Mike. I’d rather teach you than sell you.

I’m a loan officer with radius financial group, working out of our Quincy office and helping clients across Massachusetts, Maine and New Hampshire. Some are buying their very first home. Others are adding another rental to their portfolio.

Either way, my job is the same: explain things clearly, run honest numbers, and be easy to reach when you have a question.

5.0 starsfrom 42 client reviews3 statesMA, ME and NHQuick repliesby call, text or email
Good questions

Honest answers to what people ask most.

There’s no such thing as a silly question here. If yours isn’t listed, just ask.

Not always. Some DSCR programs welcome first-time investors. I’ll tell you honestly which ones fit your situation.

You don’t have to do this alone

Good people I’m happy to introduce you to.

Landlord insuranceFrom our own radius insurance group team.
Investor-friendly agentsPeople who understand rentals, not just curb appeal.
Property managersFor long-term and vacation rentals.
CPAs and attorneysFor LLCs, taxes and the fine print.
For real estate agentsHave a buyer who needs a lower payment, or an investor client?Send them my way. I’ll run the numbers quickly and keep you in the loop from first call to closing.
Buydown calculatorCall or text 781-820-4249
Let’s talk

Have a property in mind? I’m happy to take a look.

No commitment and no pressure. Send me the address, the price and the rent, and I’ll run the numbers with you.

Call781-820-4249Text781-820-4249Emailmmcsharry@radiusgrp.comReady when you areStart your application onlineOffice: 781-742-6500 · 1 Batterymarch Park, 3rd Floor, Quincy, MA 02169