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Unlock Your Next Real Estate Deal: Premium DSCR & Investment Property Loans
Accelerate your real estate portfolio growth with premier asset-based lending solutions designed for modern investors. As a specialized DSCR lender, we eliminate the friction of conventional financing by funding your deals based on property cash flow, not your personal income. Whether you are acquiring a single-family rental, expanding into multifamily units, flipping a distressed property, or investing from overseas, we provide the fast, flexible capital you need to scale.
Our Core Loan Programs
┌──────────────────────────────────────────────┐ │ Real Estate Investor Loans │ └──────────────────────┬───────────────────────┘ ┌──────────────────────────────┼──────────────────────────────┐ ▼ ▼ ▼ Long-Term Rentals Short-Term Capital Global Investors ─────────────────── ─────────────────── ────────────────── • DSCR SFR • Fix and Flip Loans • Foreign National Loans • 2-4 Unit Multifamily • Hard Money Rehab • ITIN DSCR Mortgages • 5-8 Unit Commercial • Bridge & BRRRR Takeouts • No US Credit Required 1. Long-Term DSCR Rental Loans
Qualify for a mortgage without tax returns, W-2s, or pay stubs. Our debt service coverage ratio loans focus purely on whether the rental income covers the monthly property expenses (PITIA).
- Single-Family Rentals (SFR): Perfect for long-term buy-and-hold strategies, turnkey properties, and single-unit investments.
- 2-4 Unit Multifamily Loans: Maximize your cash flow by financing duplexes, triplexes, and quadplexes with optimized investment property loan rates.
- 5-8 Unit Multifamily DSCR: Specialized commercial-grade DSCR programs for small multifamily properties, allowing seasoned investors to consolidate and scale under competitive commercial terms.
2. Fix and Flip / Rehab Financing
Need short-term capital to revitalize a property? Our fix and flip loans offer high-leverage financing to cover both the acquisition and 100% of the renovation costs.
- Up to 85-90% Loan-to-Cost (LTC) and 70-75% After-Repair Value (ARV).
- Seamless transition from a short-term rehab bridge loan into a permanent 30-year fixed DSCR loan (The ultimate BRRRR strategy helper).
- Fast underwriting to ensure you never miss out on a competitive distressed property deal.
3. Foreign National DSCR Loans
We bridge the gap for international real estate investors looking to build wealth in top US housing markets.
- No US Credit History Required: We qualify non-US citizens using alternative asset verification or international credit profiles.
- No US Income Verification: Use the property’s projected gross monthly rental income to secure funding.
- Flexible closing options accommodating foreign entities, domestic LLCs, and remote digital signatures.
Why Top Investors Choose Us Over Traditional Banks
| Feature | Conventional Investment Loans | Our DSCR & Investor Programs |
|---|---|---|
| Primary Underwriting Focus | Personal debt-to-income (DTI) ratio | Property Debt Service Coverage Ratio |
| Documentation Needed | Full tax returns, W-2s, and pay stubs | Lease agreements, rent rolls, and appraisal |
| Employment Verification | Strict employment & personal income checks | No personal income verification required |
| Ownership Structure | Must close in an individual name | Close directly in an LLC, Corp, or Partnership |
| Portfolio Limits | Financed property caps (usually max 10) | Unlimited portfolio scaling potential |
| Average Closing Time | 45 to 60+ days | 10 to 14 days from clean title |
How to Calculate Your DSCR
Lenders evaluate your deal by dividing the property's gross monthly rental income by its total monthly debt obligations (Principal, Interest, Taxes, Insurance, and HOA fees). Use this baseline criteria to view where your target deal lands:
- DSCR > 1.25: Unlocks the best DSCR loan rates, maximum leverage (up to 80% LTV), and optimal terms.
- DSCR 1.00 - 1.24: Standard qualification tier where the property completely pays for itself.
- DSCR < 1.00 (No-Ratio / Low-Ratio): Available for high-equity deals or properties with substantial upside potential where cash flow will improve post-stabilization.
Fast-Track Your Pre-Approval
Ready to submit a deal or pull cash out of an existing asset? Proactively secure your leverage by initiating our streamlined 3-step application process:
- Submit Property Metrics: Share the purchase price, estimated rehab scope (if flipping), or current rent roll.
- Review Custom Term Sheets: Receive multiple tailored asset-based loan scenarios within 24 hours.
- Clear Title & Close: Skip the red tape, complete a property appraisal, and fund your deal in days.
Ready to scale your rental portfolio without personal income friction? Let us structure your financing by identifying your exact property type, target loan amount, and preferred investment strategy.