White Lake, Oakland County · NMLS #137016
DSCR Investor Loans in White Lake, Michigan
One call, speak directly to the owner, cut out the commissioned loan officer. We are one of Michigan’s top producing mortgage companies for a reason, we look forward to earning your business.
Buying a rental in White Lake? Qualify on the property’s rent, not your tax returns. LLC-friendly, and Jason answers his own phone.
- 28 years in mortgages
- $2B+ funded
- 50+ wholesale lenders
- 83 reviews on Birdeye
White Lake numbers that matter here
The figures this program actually turns on.
Sources: Zillow Home Value Index (July 31, 2026); Michigan Dept. of Treasury millage 2025; U.S. Census Bureau ACS and Nonemployer Statistics. Deposit and tax figures are illustrations, not quotes.
The number most White Lake investors miss
- 12.7% of White Lake homes are renter-occupied, which tells you the rental demand is structural. It does not tell you what any single property will rent for, and that is the figure an underwriter will ask you to support.
- A rental does not receive Michigan’s principal-residence exemption, so it is taxed at 46.43 mills instead of 28.77. On a $400,382 White Lake property that is roughly $775 a month, about $3,535 a year more than an owner-occupant pays, and it sits on the expense side of your coverage ratio. Estimate only.
- DSCR compares the property’s rent against its total monthly obligation including taxes and insurance. Above 1.0 means it covers itself. Your personal returns are not the qualifying document, and most DSCR lenders will let you hold the property in an LLC.
White Lake spans more than one school district
- White Lake covers 6 school districts: Tr-Huron Valley/Wall; Walled Lake Cons; Waterford School Dis; Clarkston Comm.
- Holly Area School Dis carries the highest rate here at 35.20 mills; Tr-Huron Valley/Wall the lowest at 28.77.
- On a $400,382 home that is roughly $107 a month between them — the same house, the same income, a different approval amount.
- Ask which district an address falls in before you write the offer, not after.
Who Atlantis works with around White Lake
White Lake has about 31,066 residents and a median household income of $93,104. Roughly 87.3% of homes here are owner-occupied. 13.1% of workers are based at home, which tracks closely with the kind of self-employed income a bank reads badly.
Across Oakland County there are 126,737 businesses with no paid employees, concentrated in professional & technical services (21,146); real estate (18,811); personal & repair services (12,211). That figure counts tax filings rather than people. Those owners are the files Atlantis writes most.
Also serving nearby: Commerce · Springfield · Highland.
What are you trying to do?
Pick the closest one, or just call and describe your situation.
Why White Lake borrowers call Jason
- A broker, not a bank. A bank has one rulebook. Atlantis shops 50+ wholesale lenders, so a file that does not fit one lender moves to another instead of dying.
- The owner works your file. 28 years, more than $2 billion funded, and he picks up the phone himself.
- Built for tricky income. Self-employed, 1099, business owners and investors are the core of what Atlantis does, not an exception it tolerates.
- Licensed and verifiable. Company NMLS #129429, Jason NMLS #137016 — check both at NMLS Consumer Access. 83 reviews on Birdeye
Quick questions
What are property taxes on a White Lake rental?
A rental is taxed at the non-homestead rate, 46.43 mills in White Lake. On a $400,382 property that is about $775 a month. It counts against your coverage ratio. Estimate only.
Can I buy a White Lake rental from out of state?
Yes. DSCR programs are commonly used by out-of-state investors, and Atlantis is licensed in Michigan, Florida, Texas and California.
Is Atlantis a bank or a broker?
A wholesale broker. Atlantis does not lend its own money; it places your loan with one of 50+ wholesale lenders that compete for it, which is why a file one bank declined can still close.
How do I reach Jason?
Call or text 248-408-2555. That is his own line. No application is needed to ask a question.
Get a straight answer today
Tell Jason what you are trying to do. No application needed to ask.
Last updated September 10, 2026. Sources: Zillow Home Value Index (July 31, 2026); Michigan Department of Treasury millage rate report 2025; U.S. Census Bureau American Community Survey.
This page is general information, not mortgage, tax or legal advice. Not a commitment to lend. All loans subject to credit review and approval. Program availability and terms vary. Consult a licensed tax professional about your own property tax situation.
Atlantis Financial Group, Inc. dba Atlantis Mortgage — NMLS #129429. Jason Yourofsky, President — NMLS #137016. 30110 Orchard Lake Rd, Farmington Hills, MI 48334. Licensed in Michigan, Florida, Texas and California. Equal Housing Lender.