Rental property, DSCR, portfolio, and specialty investor financing nationwide. Flexible programs designed for real estate investors of all sizes.
We specialize in financing a wide range of investment properties across the nation.
Single-family homes held for rental income. Flexible DSCR and non-DSCR options available.
Duplex, triplex, and fourplex financing with income-based underwriting.
Apartment buildings and larger multifamily complexes with portfolio programs.
Specialty financing for condos in non-FHA-approved buildings and communities.
Commercial/residential combinations with flexible underwriting.
Raw land, development property, and future construction projects.
We offer specialized programs tailored to different investment strategies and borrower profiles:
We understand investor needs better than traditional lenders. Here's what sets us apart:
DSCR-based lending for income-producing properties. Borrow based on property performance, not personal credit.
DSCR (Debt Service Coverage Ratio) measures a property's ability to cover its loan payment. Calculated as: Annual Property NOI ÷ Annual Loan Payment.
Borrow based on property income, not personal income. Ideal for investors with multiple properties or self-employed borrowers.
Minimum DSCR ranges from 0.75x to 1.25x depending on property type and program. Lower DSCR = higher risk = higher rates.
Serious real estate investors, portfolio builders, self-employed borrowers, and those focused on cash flow.
Rent roll, lease agreements, bank statements, tax returns, and property profit/loss statements. Flexible documentation options available.
Rates vary by DSCR. Interest-only options available. Terms: 30-year fixed, 5/6 ARM, 7/6 ARM. Nationwide availability.
Access equity from your rental properties and portfolio with flexible refinancing solutions.
Refinance rental properties to access accumulated equity. Use funds for down payments on new investments or portfolio expansion.
Combine multiple property loans into one streamlined loan with potentially better terms and lower payments.
Refinance to fund property upgrades, renovations, or capital improvements that increase property value.
Convert equity to cash for operational needs, opportunity purchases, or emergency reserves.
DSCR-based or income-based underwriting. Choose terms that match your investment timeline and cash flow goals.
Refinance entire portfolios with customized terms. One closing, one loan officer, simplified management.
We finance unique and challenging property types that conventional lenders often decline.
Condos in non-FHA approved buildings, properties with high commercial space, or associations with unfavorable rules.
Development property, future construction sites, and land purchases with flexible terms based on use case.
Foreclosure recovery, short sale aftermath, or bankruptcy discharge. Flexible timeline programs available.
Self-employed investors, business owners, and those with non-traditional income documentation.
Mixed-use, retail, office, and other commercial properties. Flexible commercial lending programs available.
Short-term bridge financing, portfolio consolidation, and specialized investor programs.
Common questions about investment property loans and our programs.
