DSCR LOAN PROGRAM (Debt Service Coverage Ratio Loans)
The DSCR Loan Program is ideal for investors who want to qualify based on their property’s income potential, not their personal income. It allows you to finance rental properties using the cash flow the property generates, making it a perfect fit for investors managing multiple units or short-term rentals (STRs).
Program Details:
Loan Amounts: $75,000 – $3,500,000 (Blanket loans up to $5,000,000)
Rates: Starting at 5.75%
Max LTV: 80% (Purchases or Rate-Term Refinances) 75% (Cash-Out Refinances)
Term: 30-Year Fixed | Partial Interest-Only Available
Qualifications:
No DTI (Debt-to-Income) requirement
No minimum DSCR required
No income documentation
No operating history required for short-term rentals Ideal
Use: Long-term rental purchases, portfolio refinances, and cash-flowing property expansions.
Benefits:
✅ Close faster with less documentation
✅ Keep personal income off the table
✅ Stable, long-term financing option
✅ Works for single-family, multifamily, and short-term rental investments
FIX & FLIP PROGRAM
Our Fix & Flip Program provides the capital you need to purchase and renovate properties with one streamlined loan. Designed for both new and experienced investors, this program makes it simple to bring your project to market quickly, without waiting for traditional loan approvals.
Program Details:
Loan Amounts: $75,000 – $2,000,000
Rates: 8.90% – 10.90%
Max LTV: 75%
Term: Typically 12–18 months (interest-only payments)
Qualifications:
Fast, asset-based approvals
No prepayment penalty
No appraisal required on most loans
Funding covers both purchase and renovation costs
Benefits:
✅ Get renovation and purchase funds in one loan
✅ No income verification
✅ Close quickly, ideal for competitive markets
✅ Maximize ROI by flipping faster
INVESTMENT PROPERTY LOAN
This program is designed for real estate investors who need quick access to capital, whether you’re acquiring an investment property, refinancing, or bridging a gap before long-term financing.
Program Details:
Loan Amounts: $300,000 – $3,000,000
Max LTV: 65%
Term: 12–24 months
Qualifications:
No appraisal required
Minimal documentation
Fast approvals, close in as little as 5 days
Benefits:
✅ Fast funding for acquisitions or refinances
✅ Simple underwriting
✅ Great for short-term holds or transition financing
✅ Flexible terms to match investment strategy
HARD MONEY LOANS
Our Hard Money Loans offer flexible and fast financing for investment properties, commercial assets, and cash-out refinances. Perfect for borrowers who need capital quickly or who don’t fit traditional loan guidelines.
Program Details:
Max LTV: Up to 70%
Term: 12–24 months
Qualifications:
No income verification
No credit check
No appraisal required
Investment use only (purchase, cash-out, or commercial)
Benefits:
✅ Close quickly, in days, not weeks
✅ Minimal documentation required
✅ Ideal for unique or time-sensitive deals
✅ Flexible structures based on equity, not credit