Rental / DSCR

Our rental and DSCR loan programs provide a reliable and efficient capital source to help real estate investors rapidly scale their businesses. Unlike traditional bank financing, we qualify your properties based on the rental income they generate, rather than your personal income.

PROPERTY TYPE

Residential Real Estate

Single family homes, townhouses, condos, 2-4 units, and +5 units.

LEVERAGE

Up to 80% LTV

Up to 80% on purchase/rate & term refi and up to 75% on cash-out refi.

LOAN AMOUNTS

Loans up to $3 million

We lend between $75,000 to $3,000,000.

LOAN TYPES

All Loan Types

Single rental property, rental portfolio, small balance multifamily, stabilized bridge and multifamily term.

DSCR

DSCR Requirements

Our programs allow your properties to qualify with DSCR's as low as 1.0x.

LOAN TERMS

Term Length

5/7/10 & 30 year terms with various ARMs and interest-only options available.

How It Works

1

Become familiar with our loan programs and reach out to us for more information. A loan officer will get in touch within 24 hours and help you determine what program fits your investment.

2

We then underwrite your deal based on the property's income potential and expenses: monthly rent, property taxes, and insurance. We then present what options are available for you.

3

Once your deal is submitted you will be given access to our borrower portal. Here you can upload all necessary due diligence documents.

4

Once all due diligence documents have been uploaded the funding process begins and typically takes 14-21 days to close.

Frequently Asked Questions​

The most important documents you will need are the following:

  1. Executed PSA.
  2.  Credit report.
  3. Entity documents (LLC formation, operating agreement, etc.)
  4.  Rent roll, property taxes and insurance.

Yes, non-recourse options are available in certain instances depending on the borrowers experience and track record. Standard bad-boy carve-outs apply.

Foreign nationals and non-permanent residents are eligible for financing, with a 5% LTV reduction for acquisition financing and a 10% LTV reduction for refinances. Borrowers must establish an LLC to receive funds.