Loan Programs
Flexible Lending Solutions Built for Real Estate Investors
Short-Term Projects
Fix & Flip Loans
Perfect for investors purchasing, renovating, and reselling residential or mixed-use properties. Great for short-term projects where speed, flexibility, and renovation financing are essential.
Growth Mindset
DSCR Rental Loans
Ideal for long-term buy-and-hold investors. These loans are based on the property's income, not your personal income. These loans are perfect for rental property investors looking to scale without affecting their personal credit or finances.
Urgent Opportunities
Hard Money Loans
For fast-moving deals, unconventional properties, or when traditional banks say no. Use hard money for urgent opportunities, land acquisitions, cash-out refinances, or creative deal structures.
Consolidate or Expand
Portfolio Loans
Designed for investors with multiple properties looking to consolidate or expand their holdings. A smart choice for seasoned investors managing multiple doors and seeking efficiency.
Get Started
Questions?
If you're not sure which loan fits your deal, reach out. We’ll walk you through your options and help you find the right structure based on your timeline, property, and investment goals.
Frequently Asked Questions
Get answers to the most common questions about our loans and how they can help grow your real estate investment portfolio.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property loan that qualifies borrowers based on the rental income of the property rather than their personal income. The DSCR is calculated by dividing the property's net operating income by its total debt service.
What DSCR ratio do I need to qualify?
Most lenders prefer a DSCR of 1.0 or higher, though some programs accept ratios as low as 0.75. A DSCR of 1.0 means the property's income exactly covers the debt payments, while anything above 1.0 indicates positive cash flow.
Do I need to provide tax returns or W-2s?
No! That's one of the main benefits of DSCR loans. You don't need to provide personal income documentation like tax returns, W-2s, or pay stubs. The qualification is based solely on the property's rental income potential.
What types of properties qualify for DSCR loans?
DSCR loans are available for single-family homes, 2–4 unit properties, condos (warrantable and non-warrantable), condotels, 5–10 unit residential buildings, and mixed-use properties with limited commercial space, but not for rural properties.
What is the maximum loan amount?
DSCR loans are available up to $3 million, making them suitable for a wide range of investment properties from starter rentals to high-value investment opportunities.
How quickly can I close on a DSCR loan?
DSCR loans can close in as little as 7 days once the appraisal is completed. The streamlined documentation process allows for much faster closings compared to traditional investment property loans.
What down payment is required?
Down payment requirements vary by lender and loan program, but typically range from 15-25% for DSCR loans. Some programs may offer higher leverage options depending on the property and borrower profile.
Can I use a DSCR loan for refinancing?
Yes! DSCR loans are available for both purchases and refinances. This includes cash-out refinancing to access equity for additional investments or property improvements.
Do I need previous real estate investment experience?
No prior real estate investment experience is required for DSCR loans. These programs are designed to be accessible to both seasoned investors and those just starting their investment journey.
How is the rental income calculated?
Rental income is typically determined using an appraisal with a rent schedule, market rent analysis, or existing lease agreements. For Airbnb properties, lenders may use historical income data or market analysis for short-term rental potential.
Are there prepayment penalties?
Most DSCR loan programs do not have prepayment penalties, giving you the flexibility to refinance or sell the property without additional costs. However, this can vary by lender and specific loan program.
What credit score do I need?
Most DSCR loan programs require a minimum credit score of 620-640, though some lenders may have higher requirements. Better credit scores typically result in more favorable interest rates and terms.