DSCR Agent Academy

Learn the numbers.
Lead better investor conversations.

A practical 90-day learning path for real estate agents who want to understand rental-property financing and help interested clients take an informed next step.

Start your first lessonGet the weekly learning series
Start with the fundamentals

No investor specialty is assumed. Build your understanding one lesson at a time.

Put the learning to work

Use scripts, scenarios and activities to serve people with stated investment goals.

Earn a completion record

Educational self-study certificate. No CE credit or official professional designation.

Understand → Apply → Grow

Your 13-lesson learning path

Read a lesson, watch Paul’s video recap, try the exercise, and record your progress. Work weekly with the series or study at your own pace. The course is open to everyone on the same terms, with no referral or application requirement.

Practice with purpose

Your investor conversation toolkit

Use fictional or non-sensitive examples here. Keep borrower financial documents in approved secure channels.

A ratio is only part of the picture

Illustrative residential calculation. Actual lender income and payment definitions vary. This tool does not determine eligibility or recommend an investment.

Illustrative DSCR1.25
Illustrative remainder before other costs/taxes-$100

PITIA: principal, interest, taxes, insurance and association dues. Other ownership costs might include vacancy, repairs, replacement reserves, management and utilities. The default figures are hypothetical.

Download the course workbook

Check your understanding

Course completion assessment

Complete all 13 lessons and answer at least 11 of 13 questions correctly. You can review the explanations and try again. This is an unproctored self-study assessment.

What will you do in the next 30 days?

Choose three activities you can control. Put a date beside each one and review what actually happened.

  1. Have a permission-based conversation with someone who has expressed investor interest.
  2. Prepare a practice rental scenario with labeled assumptions and a clear financing question.
  3. Share one useful educational resource through a permitted channel, using brokerage-approved language.

Optional learning review with Paul: schedule a conversation or call 856-503-9396. No referral or loan application is required.

How to describe your course completion accurately

“Completed Paul Singh's DSCR Agent Academy, an educational course on investor financing conversations.”

Do not describe yourself as officially certified, accredited, lender-approved or entitled to originate loans because you completed this course.

A steady learning rhythm

Bring the course to your inbox

The series includes 13 weekly lessons and a day-90 wrap-up: up to 14 educational and promotional emails over approximately 90 days. Optional text reminders are separate, up to 14 texts. Weekday delivery windows may move a message to the next business day. A reply pauses the series for personal follow-up.

You can use the entire course without joining the messaging series. Unsubscribe at any time. No referral, application, purchase or consent to marketing is required to study or earn the course completion record.

To join: select EMAIL below. Select TEXT too if you want optional reminders alongside your emails. Selecting TEXT alone does not enroll you in the series.

Source notes and program boundaries

Content reviewed October 15, 2026. The lessons and scripts are original educational material. Lender examples illustrate concepts; they are not universal guidelines or a statement that every listed feature is available through Paul. Confirm current requirements for each borrower, property, state and transaction.

    For individual financial, investment, tax, legal, insurance, zoning or licensing advice, consult the appropriate qualified professional. No approval, investment return, leads or business results are promised.

    Paul Singh · Senior Mortgage Advisor

    856-503-9396 · [email protected] · paulsinghmortgages.com

    Paul Singh, NMLS #406332 · Petra Cephas Inc., NMLS #1222300
    6 Wills Way, Building 2, Piscataway, NJ 08854

    MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Petra Cephas Inc. arranges loans through third-party lenders; it does not make mortgage commitments or fund loans. Licensed by the New Jersey Department of Banking and Insurance.

    Primary- and second-home financing: NJ, NY, PA, CT, TX and FL, where licensed and authorized. DSCR rental-property financing across the U.S., subject to state and lender availability. Programs, rates, terms and eligibility vary and may change. All loans subject to approval. This is not a commitment to lend. Equal Housing Opportunity.

    Educational material only. These mini-courses are not HUD-approved counseling, required homebuyer education or continuing-education credit. Examples are hypothetical and do not establish approval, savings or an offer of credit. Consult appropriate professionals for individual tax, legal and financial advice.

    © 2026 Paul Singh. Original educational resources. Updated October 15, 2026.

    Paul Singh | Individual NMLS #406332
    Petra Cephas Inc. | Company NMLS #1222300
    6 Wills Way, Building 2, Piscataway, NJ 08854 | Company: (732) 873-1365

    Licensed by the N.J. Department of Banking and Insurance. Petra Cephas Inc. will not make any mortgage loan commitments or fund any mortgage loans. All mortgage loans are arranged with third-party providers.

    Registered New York Mortgage Broker - All mortgage loans arranged with third party providers.

    Paul serves NJ, NY, PA, CT, TX and FL, subject to applicable licensing and program availability. Verify current individual and company licensing through NMLS Consumer Access. Visit Petra Cephas Inc. for company information.

    This is not a commitment to lend. Programs, rates, terms and conditions may change and are subject to lender underwriting and approval. Equal Housing Opportunity.

    Texas consumers

    For complaints and consumer assistance, contact the Texas Department of Savings and Mortgage Lending at 1-877-276-5550. Complaint instructions • Official complaint and recovery fund notices: Mortgage company notice / Mortgage banker notice. The applicable notice depends on the company’s Texas authorization.

    Copyright © 2026 Petra Cephas Inc. All Rights Reserved.