No personal income verification required. Our DSCR and bridge loans are underwritten based on property cash flow, making it easier than ever to expand your real estate portfolio.
DSCR (Debt Service Coverage Ratio) loans and Bridge loans are powerful financing tools designed for real estate investors who want to scale their portfolios without the traditional income verification hurdles.
These loans are underwritten based on the property's cash flow potential rather than your personal income, making them ideal for investors with complex income situations, business owners, or those looking to rapidly expand their rental property holdings.
Long-term financing based on the property's rental income. Ideal for holding as long-term rentals or portfolio expansion.
Short-term financing to bridge gaps between transactions. Perfect for quick acquisitions, renovations, or refinancing existing properties.
DSCR Formula
Net Operating Income ÷ Total Debt Service
Most lenders require a minimum DSCR of 1.0 - 1.25 for approval
Experience financing that works with your investment strategy, not against it
No tax returns, no W-2s, no pay stubs. Approval is based entirely on the property's cash flow potential, not your personal income documentation.
Grow your rental portfolio without limits. We offer flexible terms that allow you to acquire multiple properties and build long-term wealth.
Access competitive interest rates based on property performance. Lower rates for stronger DSCR ratios and experienced investors.
Choose from various term lengths and repayment options. Interest-only periods available for maximum cash flow optimization during your investment horizon.
Finance single-family homes, multi-family properties, condos, townhouses, and commercial buildings. We lend on all residential and commercial property types.
When opportunities arise, you need capital fast. Our bridge loans can close in days, giving you the edge to secure deals before competitors.
Clear, straightforward terms with no hidden fees or surprises
Long-Term Rental Financing
Short-Term Gap Financing
All 50
States Served
No Prepayment
Penalties
Interest-Only
Options Available
No Hidden
Fees or Points
Understanding the right financing for your investment situation
Building a passive income portfolio with stable, cash-flowing properties held for years.
Complex income situations where traditional income verification is difficult or unfavorable.
Refinancing existing rentals to improve cash flow, access equity, or consolidate debt.
Purchasing larger multi-unit properties with strong rental income potential.
Securing off-market or time-sensitive deals before traditional financing can close.
Funding major renovations or repositioning a property before permanent financing.
When selling one property to fund another, bridge financing covers the gap.
Keeping capital in your business while acquiring investment properties.
From application to funding in as little as 7-14 days
Fill out our streamlined application with basic property and contact information.
We analyze the property's income potential, DSCR, and market comparable values.
Get a detailed loan quote with terms, rates, and closing timeline within 24-48 hours.
Sign documents and receive your funding. DSCR loans close in 7-14 days, bridges in 5-10 days.
No upfront fees. No commitment. Get a quote today.
Whether you need long-term DSCR financing or quick bridge capital, we're here to help you scale your real estate investments. Let's discuss your goals.