Financing for Investors Who Value Clarity.

A DSCR (Debt Service Coverage Ratio) loan qualifies you on the rental income a property produces rather than your personal income or tax returns — if the rent covers the debt, you can qualify. Rental income is assessed much like Fannie Mae's rental-income guidelines, though DSCR is a business-purpose loan that falls outside the CFPB's consumer Ability-to-Repay rule. That's why investors use DSCR to keep scaling without their own income capping how many doors they can own.

Sources:Fannie Mae — Rental Income Guidelines ·CFPB — Ability-to-Repay Rule

Yes — on fix & flip and bridge loans we finance a portion of the purchase price plus a renovation budget. That rehab budget is held back and released in draws as work is completed and inspected, so funding stays tied to progress and your project keeps moving.

Yes. A cash-out refinance lets you pull equity out of a property you already own — often after a rehab has increased its value — and reuse that capital toward your next acquisition. Fannie Mae and Freddie Mac set the seasoning and loan-to-value rules that most cash-out programs follow.

Sources:Fannie Mae — Cash-Out Refinance ·Freddie Mac — Cash-Out Refinance

We can close as fast as 7 days on bridge and fix & flip deals where speed wins the deal, and typically 7 to 21 days on DSCR and other investor loans. Timelines depend on the program and the property, and we'll give you a realistic closing date up front.

Requirements vary by program and leverage. Stronger credit unlocks better terms, but there are options across a range of profiles. The fastest way to know is a quick call.

It depends on the program and your experience. DSCR rental loans commonly go up to about 85% loan-to-value (roughly 15–20% down) — notably higher than the investment-property limits in Fannie Mae's and Freddie Mac's guidelines — while fix & flip and bridge loans are sized against purchase price plus rehab. We'll give you exact leverage once we know the deal.

Sources:Fannie Mae — Eligibility Matrix ·Freddie Mac — Seller/Servicer Guide

Minimums vary by program. Smaller single-property loans and larger portfolio facilities are both possible — tell us the deal and we'll confirm whether it's a fit.

Yes. Experience can affect leverage and pricing, but there are programs designed for newer investors. We'll walk you through what's realistic for your first deal.

Yes. Most investor programs let you close in an LLC or other entity, which is how many investors prefer to hold rental property.

Most investor loans carry origination points, which vary by program, leverage, and risk. We lay out every cost on your term sheet up front — no surprises at closing.

Some DSCR and term products include a prepay structure (for example a step-down over the first few years), and many can be bought down or out. We'll explain the options so you can pick what fits your hold strategy.

Yes — we work with real estate investors across the country and can lend in all 50 states. Wherever your next deal is, we can likely help you finance it.

Mortgage protection pays off your mortgage balance if the borrower passes away, so your family keeps the property free and clear rather than inheriting the debt. Ask us how to add it to your financing.