How does a DSCR loan work for investors?

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.

How fast can I close on a hard money loan?

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.

Can I finance a short-term rental (Airbnb) property?

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.

How many investment properties can I finance?

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.

Can I close investment loans in an LLC?

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.

What is the typical return I need to make a deal work?

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.

Scale Your Portfolio with Smart Financing

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

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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