DSCR loans for single family homes, portfolio financing, and multifamily lending for real estate investors. Direct underwriting. Decisions in one business day.
Most lenders slow deals down. We're structured to do the opposite. From the first conversation to the closing table, every part of our process is designed around one goal: getting you to close quickly, cleanly, and on your terms.
We price to win your business. Our rates are structured to keep your cost of capital low — so more of your deal's upside stays where it belongs: with you. Every quote is straightforward, with no hidden fees or last-minute surprises at the closing table.
Our underwriting process is built for speed without cutting corners. We focus on the deal — the property, the numbers, and your track record — not endless paperwork. Decisions come back in one business day so you can move with confidence when the window is open.
We know how important it is to move with a purpose. Most of our deals close in just 10–15 days, so a slow lender never costs you the deal you worked hard to find. No unnecessary delays — just a process built to get you to the closing table fast.
| Min Credit | 660 FICO · 680 for Multifamily & Mixed-Use |
| Loan Size | $100K – $3M per property |
| Lien Position | First lien mortgage only |
| Min Property Value | $150,000 per property |
| Rate Lock | 30-day rate lock |
| DSCR | 0.75x minimum · 1.00x for Short-Term Rentals |
| Loan Term | 30-year fixed · Interest-only available |
| Prepay | 0–5 year prepayment options |
State availability: Lending available in all states except Nevada, Montana, North Dakota, South Dakota, Alaska, and Vermont.
A DSCR loan helps real estate investors qualify for financing using the income generated by the investment property itself — not the borrower's personal income. This makes it an ideal product for investors who are self-employed, have complex tax returns, or simply prefer to let the property's cash flow speak for itself.
The Debt Service Coverage Ratio is calculated as the property's Gross Rent divided by PITIA (Principal, Interest, Taxes, Insurance, and Association dues) or ITIA where applicable. A DSCR of 1.00x means the property's income exactly covers its obligations. Above 1.00x indicates positive cash flow.
Loan-to-Value (LTV) is calculated as the Loan Amount divided by the "As Is" appraised value of the property. For acquisitions, LTV is defined as the loan amount divided by the lesser of the appraised value or the purchase price — protecting both the borrower and lender from overpaying into a deal.
We underwrite fast and respond within one business day. Schedule a call to talk through your deal, submit a loan request, or go straight to the full application if you're ready to move.