Scale Your Portfolio with Smart Financing

DSCR, hard money, and conventional investment loans to grow your real estate business

Finance Your Next Investment
Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

Financing multiple properties when conventional lenders limit you to 10 financed properties

Documenting investor income when tax returns show losses due to depreciation and write-offs

Getting competitive rates on investment properties versus owner-occupied rates

Closing quickly enough to compete with cash buyers on time-sensitive deals

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

DSCR Loans (Investors)

Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.

Min. Credit Score: 640

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Hard Money Loans

Short-term asset-based financing for real estate investors. Ideal for fix-and-flip projects, bridge loans, short-term rentals, and ground-up construction with fast funding.

Min. Credit Score: 600

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Construction Loans

Financing for building a new home from the ground up or major renovations. Features progressive disbursements during construction with interest-only payments, converting to a permanent mortgage upon completion.

Min. Credit Score: 680

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Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

Min. Credit Score: 620

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Jumbo Mortgages

Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.

Min. Credit Score: 700

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • DSCR loans: Property must demonstrate a DSCR of 1.0+ (rental income covers mortgage payment)
  • Hard money: Viable project with clear exit strategy; credit score 600+
  • Conventional investment: 15-25% down payment with 620+ credit score
  • Construction: Detailed plans, licensed contractor, and 20%+ down payment
  • All investment loans: Sufficient reserves (typically 6+ months of payments)

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We've helped hundreds of borrowers achieve their homeownership goals.

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FAQ

Frequently Asked Questions

DSCR loans qualify you based on the property's rental income divided by its total debt obligations. If the property generates enough rental income to cover the mortgage (DSCR of 1.0+), you qualify. No personal tax returns, W-2s, or employment verification needed. You can close in an LLC.
Hard money loans can close in as little as 7-10 business days. This speed is critical when competing against cash buyers at auction or on time-sensitive deals. We provide term sheets within 24-48 hours of submission.
Yes. Our DSCR programs accept short-term rental income from Airbnb and VRBO properties. We can use AirDNA projections, actual booking history, or a market rent analysis to determine the property's income.
With DSCR loans, there is no standard limit since qualification is property-based. Conventional loans typically limit you to 10 financed properties. We can structure portfolio solutions for investors with larger holdings.
Yes. DSCR loans and hard money loans commonly allow closing in an LLC, corporation, or other business entity. This provides asset protection by separating investment properties from your personal assets.
For rental properties, aim for a DSCR of at least 1.25 (25% more income than expenses). For fix-and-flips, most investors target a minimum profit of 10-15% of ARV after all costs. We can help you analyze specific deals during our consultation.

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

Finance Your Next InvestmentSchedule a Consultation
(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026