Long-term financing qualified on the property's cash flow — not your personal income. Built for buy-and-hold investors growing real, scalable portfolios.
DSCR — Debt Service Coverage Ratio — loans are designed for serious rental investors.
Instead of qualifying you on W-2 income or tax returns, we qualify the loan on the property itself: does the rental income cover the debt service? If the answer is yes, we can usually find a path. That makes DSCR loans especially powerful for investors who write off heavily, run multiple LLCs, or simply don't want their personal balance sheet driving every deal.
We finance single-family rentals, 2–4 unit properties, condos, and qualifying short-term rentals — through 15- and 30-year fixed structures built to scale alongside your portfolio.
Terms shown are illustrative ranges and are subject to underwriting, property type, market, and borrower profile. Final terms determined upon application.
Additional states considered on a case-by-case basis — if your deal sits outside our core footprint, ask us.
Send the basics — property, purchase price or value, rents, your goal. We'll come back with indicative terms quickly.
Streamlined application focused on what actually matters: the asset, the strategy, and the sponsor.
Property valuation, lease review, and a clean diligence process — managed by experienced underwriters, not algorithms.
Funded on your timeline. Whether it's a refinance or a portfolio acquisition, we structure for execution.