Investor Hub

Finance Your Portfolio.
No Tax Returns.
No Limits.

DSCR loans, bridge financing, cash-out refi, and fix-and-flip — we have the products and the lender relationships to fund your investment strategy at every stage.

DSCR — qualify on rental income, not personal income

LLCs and entities accepted

Available in 40+ states

Cash-out up to 75% LTV on investment properties

Short-term, bridge, and fix-and-flip programs

Discuss Your Investment Strategy

Tell us what you're working on — we'll map out the right financing

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Investor Loan Products

Financing for Every Strategy

From your first rental to a 30-property portfolio — we have the right product for where you are and where you're going.

DSCR Loan

Qualify based on the property's rental income — not your tax returns or employment. The go-to product for professional landlords.

No personal income docs required
Min. DSCR 0.75 (select lenders)
LLCs and entities accepted
Up to 80% LTV purchase, 75% cash-out
Available in 40+ states
STR/Airbnb income accepted

Fix & Flip / Bridge

Short-term financing for acquisitions, rehab projects, and transitional properties. Close fast, execute the project, exit or refinance.

Up to 90% of purchase price
Up to 100% of rehab costs (select programs)
Terms 6–24 months
Interest-only payments
Close in 7–14 business days
Experience-based pricing

Portfolio Loan

Finance multiple investment properties under a single blanket loan. Simplify your debt structure and free up individual property financing.

5+ properties in one loan
Cross-collateralized structure
DSCR-based qualification
Release provisions available
LLCs and entities accepted
Fixed and ARM options

DSCR Explained

Does Your Property Cash Flow?

DSCR — Debt Service Coverage Ratio — measures whether your rental income covers the mortgage payment. It's the single most important number in investment property lending.

DSCR = Monthly Rent ÷ PITIA

PITIA = Principal + Interest + Taxes + Insurance + HOA

1.25+

Strong cash flow — best rates and LTV available

Best Pricing

1.00

Break-even — rent covers the full payment

Standard

0.75

Below break-even — select lenders, higher rate

Limited Programs

DSCR Calculator

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Est. Monthly Mortgage Payment ($)

Your DSCR

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How Investors Use Us

Common Investor Strategies We Finance

Every investor's situation is different. Here are the most common scenarios we work through — and how we structure the financing.

Buy & Hold — First Rental

Purchase your first investment property with 20–25% down using a DSCR loan. No W2 or tax return required. Close in your personal name or an LLC depending on your asset protection goals.

Scale with Cash-Out Refi

Pull equity from an appreciated rental to fund the down payment on your next acquisition. DSCR cash-out up to 75% LTV. Repeat the cycle to grow your portfolio without new capital injections.

Fix & Flip to DSCR

Use a short-term bridge loan to acquire and rehab. Once the property is stabilized and rented, refinance into a permanent DSCR loan — the classic BRRRR execution.

STR / Airbnb Financing

Short-term rental income is accepted by select DSCR lenders using AirDNA market rent data or actual booking history. We know which lenders accept STR income and how to document it correctly.

Common Questions

Investor Financing FAQ

Yes — DSCR loans are specifically designed to accommodate LLC and entity ownership. This is one of the main reasons investors prefer DSCR over conventional investment property loans, which require personal borrowing. We work with lenders who accept single-member LLCs, multi-member LLCs, and other entity structures. We'll help you understand the pros and cons of personal vs. entity ownership for your specific situation.

With DSCR loans, there's no conventional 10-property cap. DSCR lenders look at each property's cash flow individually, not your total property count. Some lenders do have per-borrower exposure limits, but we work with multiple lenders so we can continue financing your portfolio as it scales. Investors with 20, 30, or 50+ properties regularly use DSCR products.

Most DSCR purchase loans require 20–25% down. Some lenders allow 15% down for strong profiles (750+ FICO, DSCR 1.25+), but 20% is the standard. The down payment percentage affects your rate and LTV tier — putting 25–30% down typically gets you meaningfully better pricing than the minimum.

Yes — for vacant properties or new purchases, most DSCR lenders use market rent from an appraisal (the 1007 rent schedule) rather than actual collected rent. The appraiser determines the market rent, which is then used as the income figure in the DSCR calculation. This means you can qualify for a DSCR loan before you even have a tenant in place.

Finance Your Portfolio.No Tax Returns.No Limits.