Investment property loans

Capital for investors who move fast.

DSCR rental loans, fix & flip bridge financing, ground-up construction and commercial property loans — approved on the strength of the deal, with term sheets in as little as 24 hours.

DSCR Rental Loans

Qualify on the property's rent — not your tax returns.

A Debt Service Coverage Ratio (DSCR) loan approves you based on whether the property's rental income covers its mortgage payment. There's no personal income verification, no W-2s and no tax returns — ideal for investors who are self-employed or scaling a portfolio.

Ideal for

Buy-and-hold rental investorsSelf-employed borrowersShort-term / Airbnb rentalsCash-out refinance of existing rentals

No tax returns or pay stubs
Close in an LLC
Unlimited number of financed properties
Cash-out up to 75% LTV

Documents you'll need

Purchase contract or current mortgage statement
Lease agreement or market rent analysis
2 months of bank statements (reserves)
LLC docs (if vesting in an entity)
Photo ID

How to apply

From first call to funded in five steps.

Tell us about the deal

Share the property address, purchase price, rehab or build budget and your strategy. Takes about 5 minutes.

Get a term sheet

We review the numbers and send you rates, leverage and terms — usually within 24–48 hours.

Submit your documents

Upload the checklist for your program. Your founder-level contact helps you fill any gaps.

Appraisal & underwriting

We order the appraisal (with ARV for rehab and construction) and underwrite the deal.

Close & fund

Sign, close and get funded. Rehab and construction draws are released as work is completed.

Getting approved

What helps your file sail through.

Investor loans focus on the deal more than your paycheck. Come prepared with these and approvals move fast.

Start my application

Know your numbers

Have a clear purchase price, budget and — for DSCR — a realistic rent estimate ready.

Keep reserves on hand

Most programs want 3–6 months of payments in reserves after closing.

Form your LLC early

Closing in an entity? Have your articles, operating agreement and EIN ready.

Show your experience

A list of past projects can unlock higher leverage and better pricing — but it's not required.