Real estate investment loans
Finance Real Estate Nationwide.
Flexible DSCR loan programs for 1–8 unit investment properties across all 50 states. If the rent covers the payment, the deal can move.
- Competitive
Rates - Fast
Turn Times - Available
Nationwide
People, properties, opportunities
We carry the load, so you can buy more houses.
Underwriting, appraisals, entity paperwork, and the coverage math are our job. Finding the next deal is yours.
- Minimum credit score
- 0+
- Maximum loan-to-value
- 0%
- Units per property, up to
- 0
- States we lend in
- 0
DSCR in one line
If the rent covers the payment, you are in business.
DSCR means debt service coverage ratio. It divides what the property brings in each month by what it costs to carry. A ratio of 1.00 means the property pays for itself. That is the number we underwrite.
- Purchase, rate and term refinance, and cash-out
- Fixed-rate and interest-only options
- Close in an LLC or in your own name
- No limit on how many properties you finance
$3,000 divided by $2,500 equals
1.20Strong coverage
Move the sliders. The ratio updates as you go.
Why investors pick us
Built around the property, not your paperwork.
No personal income docs
No W-2s, pay stubs, or tax returns. The rent does the qualifying.
Closings in 7 to 14 days
A short file and a quick appraisal keep you ahead of other offers.
LLC friendly
Close in an entity and keep each property in its own lane.
Truly nationwide
One team, all 50 states, no territory maps to puzzle over.
Loan programs
One lender for every stage of the portfolio.
DSCR or conventional
Two ways to finance a rental. Here is how they differ.
Neither one is always right. DSCR loans trade a slightly higher rate for a simpler file and far fewer limits.
| Feature | DSCR loan | Conventional mortgage |
|---|---|---|
| What the lender reviews | The property's rent and payment | Your income and debt |
| Tax returns and pay stubs | Not required | Required |
| Close in an LLC | Common | Often not allowed |
| Number of properties | No set cap | Capped by your debt ratio |
| Typical closing time | 7 to 14 days when ready | 30 to 45 days |
| Rate | Usually somewhat higher | Usually lower |
General comparison. Individual lenders and programs differ. Read the full breakdown.
How it works
From first call to closing in four steps.
- 1
Tell us about the deal
A short application. The property, the loan, and the rent.
- 2
We run the coverage math
A loan advisor checks the rent against the full payment and gives you a straight answer.
- 3
Appraisal and underwriting
The appraisal confirms value and market rent. You send entity papers and proof of funds.
- 4
Close and keep building
Sign, fund, and take the cash flow into your next deal.
Get a quote
Tell us about the property. We will tell you where it lands.
No credit pull, no obligation. A loan advisor reviews your numbers and replies within one business day.
- Straight answers on the ratio, the down payment, and the reserves
- A real person on every file, not a bot or a call center script
- Programs for 1 to 8 units, short-term rentals, flips, and LLC borrowers
Ready to go further? Start your application.
Request Financing Information
Fill out the form below and a member of our team will get back to you quickly.
Questions
What investors ask us most.
A DSCR loan is an investment property loan that qualifies you on the rental income the property earns rather than on your personal income. DSCR stands for debt service coverage ratio, which compares monthly rent with the monthly payment.
Run your deal past a real person.
Tell us about the property and a loan advisor will tell you where it lands, usually within one business day.